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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 | $148,245 | $81,504+81.9% | $102,437+44.7% | $80,959+83.1% |
| Participation rate | 53.1% | 66.9%-13.7pp | 74.5%-21.4pp | 67.7%-14.5pp |
| Annual return | 15.41% | 25.60%-10.2pp | 24.95%-9.5pp | 35.67%-20.3pp |
| Employer contribution / active EE | $1,719 | $3,104-44.6% | $3,871-55.6% | $2,757-37.7% |
| Participant deferral / active EE | $5,193 | $3,871+34.2% | $5,060+2.6% | $4,300+20.8% |
| Admin fee / account holder | $7,628 | $6,719+13.5% | $8,388-9.1% | $6,925+10.1% |