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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 | $157,751 | $110,137+43.2% | $161,149-2.1% | $82,637+90.9% |
| Participation rate | 65.6% | 72.4%-6.8pp | 78.8%-13.3pp | 68.1%-2.5pp |
| Annual return | 18.27% | 20.69%-2.4pp | 21.16%-2.9pp | 53.51%-35.2pp |
| Employer contribution / active EE | $1,891 | $2,856-33.8% | $4,360-56.6% | $2,552-25.9% |
| Participant deferral / active EE | $9,447 | $4,575+106.5% | $6,153+53.5% | $4,126+129.0% |
| Admin fee / account holder | $976 | $9,467-89.7% | $15,194-93.6% | $7,339-86.7% |