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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $156,762 | $95,404+64.3% | $113,397+38.2% | $82,637+89.7% |
| Participation rate | 56.7% | 72.8%-16.2pp | 76.5%-19.8pp | 68.1%-11.4pp |
| Annual return | 18.67% | 19.08%-0.4pp | 23.20%-4.5pp | 53.51%-34.8pp |
| Employer contribution / active EE | $1,763 | $2,307-23.6% | $2,977-40.8% | $2,552-30.9% |
| Participant deferral / active EE | $5,431 | $4,220+28.7% | $5,076+7.0% | $4,126+31.6% |
| Admin fee / account holder | $5,521 | $9,168-39.8% | $11,957-53.8% | $7,339-24.8% |