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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 | $150,362 | $106,749+40.9% | $145,433+3.4% | $82,448+82.4% |
| Participation rate | 60.4% | 75.6%-15.2pp | 82.1%-21.7pp | 68.1%-7.7pp |
| Annual return | 15.31% | 27.59%-12.3pp | 66.58%-51.3pp | 41.64%-26.3pp |
| Employer contribution / active EE | $3,164 | $3,444-8.1% | $4,554-30.5% | $2,551+24.0% |
| Participant deferral / active EE | $8,471 | $6,519+29.9% | $7,897+7.3% | $4,139+104.6% |
| Admin fee / account holder | $18,502 | $8,390+120.5% | $13,129+40.9% | $7,234+155.8% |