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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 | $179,034 | $108,825+64.5% | $156,181+14.6% | $82,448+117.1% |
| Participation rate | 66.7% | 72.4%-5.7pp | 78.8%-12.2pp | 68.1%-1.4pp |
| Annual return | 15.86% | 20.59%-4.7pp | 64.87%-49.0pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,739 | $2,870-4.6% | $4,294-36.2% | $2,551+7.4% |
| Participant deferral / active EE | $5,712 | $4,577+24.8% | $6,132-6.9% | $4,139+38.0% |
| Admin fee / account holder | $7,964 | $9,341-14.7% | $14,586-45.4% | $7,234+10.1% |