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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 | $166,809 | $110,137+51.5% | $161,149+3.5% | $82,637+101.9% |
| Participation rate | 69.9% | 72.4%-2.5pp | 78.8%-9.0pp | 68.1%+1.8pp |
| Annual return | 17.19% | 20.69%-3.5pp | 21.16%-4.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $1,948 | $2,856-31.8% | $4,360-55.3% | $2,552-23.7% |
| Participant deferral / active EE | $4,321 | $4,575-5.5% | $6,153-29.8% | $4,126+4.7% |
| Admin fee / account holder | $16,293 | $9,467+72.1% | $15,194+7.2% | $7,339+122.0% |