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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 | $164,647 | $106,749+54.2% | $145,433+13.2% | $82,448+99.7% |
| Participation rate | 66.7% | 75.6%-9.0pp | 82.1%-15.5pp | 68.1%-1.4pp |
| Annual return | 18.53% | 27.59%-9.1pp | 66.58%-48.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $3,971 | $3,444+15.3% | $4,554-12.8% | $2,551+55.7% |
| Participant deferral / active EE | $4,674 | $6,519-28.3% | $7,897-40.8% | $4,139+12.9% |
| Admin fee / account holder | $1,118 | $8,390-86.7% | $13,129-91.5% | $7,234-84.6% |