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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 | $161,717 | $73,787+119.2% | $98,716+63.8% | $82,448+96.1% |
| Participation rate | 61.5% | 61.4%+0.1pp | 69.3%-7.8pp | 68.1%-6.5pp |
| Annual return | 15.28% | 18.57%-3.3pp | 31.81%-16.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $658 | $1,511-56.5% | $2,279-71.1% | $2,551-74.2% |
| Participant deferral / active EE | $3,884 | $3,081+26.1% | $4,048-4.0% | $4,139-6.2% |
| Admin fee / account holder | $5,610 | $6,500-13.7% | $8,703-35.5% | $7,234-22.5% |