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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 | $181,758 | $126,661+43.5% | $113,397+60.3% | $138,895+30.9% |
| Participation rate | 63.2% | 79.4%-16.3pp | 76.5%-13.3pp | 79.9%-16.8pp |
| Annual return | 14.78% | 25.05%-10.3pp | 23.20%-8.4pp | 145.39%-130.6pp |
| Employer contribution / active EE | $1,485 | $3,456-57.0% | $2,977-50.1% | $4,194-64.6% |
| Participant deferral / active EE | $3,553 | $5,693-37.6% | $5,076-30.0% | $6,396-44.5% |
| Admin fee / account holder | $7,715 | $14,549-47.0% | $11,957-35.5% | $12,562-38.6% |