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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 | $154,071 | $78,423+96.5% | $95,964+60.6% | $79,856+92.9% |
| Participation rate | 63.6% | 73.5%-9.9pp | 77.1%-13.4pp | 69.6%-6.0pp |
| Annual return | 13.34% | 19.37%-6.0pp | 91.64%-78.3pp | 31.71%-18.4pp |
| Employer contribution / active EE | $1,605 | $1,945-17.5% | $2,541-36.9% | $2,471-35.1% |
| Participant deferral / active EE | $6,532 | $3,440+89.9% | $4,167+56.8% | $3,741+74.6% |
| Admin fee / account holder | $3,717 | $5,622-33.9% | $6,797-45.3% | $5,306-30.0% |