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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 | $161,482 | $80,983+99.4% | $96,544+67.3% | $75,177+114.8% |
| Participation rate | 59.5% | 71.8%-12.3pp | 76.0%-16.5pp | 67.2%-7.7pp |
| Annual return | 22.29% | 27.05%-4.8pp | 25.88%-3.6pp | 160.75%-138.5pp |
| Employer contribution / active EE | $1,816 | $2,282-20.4% | $2,966-38.8% | $2,671-32.0% |
| Participant deferral / active EE | $4,814 | $3,929+22.5% | $4,851-0.8% | $4,126+16.7% |
| Admin fee / account holder | $7,860 | $6,717+17.0% | $8,254-4.8% | $5,651+39.1% |