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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 | $143,531 | $93,345+53.8% | $119,126+20.5% | $87,485+64.1% |
| Participation rate | 65.5% | 68.7%-3.2pp | 75.8%-10.2pp | 68.9%-3.4pp |
| Annual return | 16.89% | 19.08%-2.2pp | 282.11%-265.2pp | 26.06%-9.2pp |
| Employer contribution / active EE | $1,686 | $3,172-46.9% | $4,034-58.2% | $2,596-35.1% |
| Participant deferral / active EE | $5,164 | $4,099+26.0% | $5,318-2.9% | $4,274+20.8% |
| Admin fee / account holder | $8,280 | $8,039+3.0% | $10,693-22.6% | $7,775+6.5% |