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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 | $161,691 | $80,992+99.6% | $96,534+67.5% | $75,173+115.1% |
| Participation rate | 50.8% | 71.8%-21.0pp | 76.0%-25.2pp | 67.2%-16.4pp |
| Annual return | 15.71% | 27.05%-11.3pp | 25.88%-10.2pp | 160.72%-145.0pp |
| Employer contribution / active EE | $2,279 | $2,283-0.2% | $2,965-23.2% | $2,671-14.7% |
| Participant deferral / active EE | $4,829 | $3,929+22.9% | $4,851-0.4% | $4,126+17.0% |
| Admin fee / account holder | $10,844 | $6,717+61.4% | $8,253+31.4% | $5,651+91.9% |