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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 | $174,863 | $86,938+101.1% | $102,423+70.7% | $80,925+116.1% |
| Participation rate | 58.2% | 72.4%-14.2pp | 76.5%-18.3pp | 67.7%-9.4pp |
| Annual return | 12.26% | 18.89%-6.6pp | 29.42%-17.2pp | 35.65%-23.4pp |
| Employer contribution / active EE | $2,643 | $2,369+11.6% | $3,023-12.6% | $2,756-4.1% |
| Participant deferral / active EE | $4,916 | $4,120+19.3% | $5,054-2.7% | $4,299+14.4% |
| Admin fee / account holder | $2,810 | $8,053-65.1% | $9,455-70.3% | $6,940-59.5% |