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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 | $153,639 | $72,273+112.6% | $101,275+51.7% | $79,856+92.4% |
| Participation rate | 40.3% | 68.5%-28.1pp | 75.8%-35.5pp | 69.6%-29.3pp |
| Annual return | 17.90% | 22.30%-4.4pp | 46.48%-28.6pp | 31.71%-13.8pp |
| Employer contribution / active EE | $2,504 | $2,691-7.0% | $3,660-31.6% | $2,471+1.3% |
| Participant deferral / active EE | $2,737 | $3,282-16.6% | $4,371-37.4% | $3,741-26.8% |
| Admin fee / account holder | $8,279 | $4,401+88.1% | $5,948+39.2% | $5,306+56.0% |