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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 | $173,696 | $94,031+84.7% | $115,768+50.0% | $82,448+110.7% |
| Participation rate | 48.3% | 70.4%-22.1pp | 74.4%-26.1pp | 68.1%-19.8pp |
| Annual return | 13.39% | 20.61%-7.2pp | 100.46%-87.1pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,433 | $2,323-38.3% | $2,940-51.3% | $2,551-43.8% |
| Participant deferral / active EE | $6,447 | $3,972+62.3% | $4,917+31.1% | $4,139+55.8% |
| Admin fee / account holder | $12,957 | $10,249+26.4% | $12,439+4.2% | $7,234+79.1% |