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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 | $183,653 | $59,440+209.0% | $78,004+135.4% | $82,637+122.2% |
| Participation rate | 52.5% | 62.8%-10.3pp | 69.4%-16.9pp | 68.1%-15.6pp |
| Annual return | 15.91% | 40.24%-24.3pp | 31.07%-15.2pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,519 | $1,750-13.2% | $2,469-38.5% | $2,552-40.5% |
| Participant deferral / active EE | $5,658 | $3,138+80.3% | $4,092+38.3% | $4,126+37.1% |
| Admin fee / account holder | $6,167 | $5,504+12.1% | $7,578-18.6% | $7,339-16.0% |