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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 | $167,878 | $80,983+107.3% | $96,544+73.9% | $75,177+123.3% |
| Participation rate | 62.5% | 71.8%-9.3pp | 76.0%-13.5pp | 67.2%-4.7pp |
| Annual return | 15.06% | 27.05%-12.0pp | 25.88%-10.8pp | 160.75%-145.7pp |
| Employer contribution / active EE | $691 | $2,282-69.7% | $2,966-76.7% | $2,671-74.1% |
| Participant deferral / active EE | $3,811 | $3,929-3.0% | $4,851-21.5% | $4,126-7.7% |
| Admin fee / account holder | $6,302 | $6,717-6.2% | $8,254-23.7% | $5,651+11.5% |