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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 | $156,450 | $78,690+98.8% | $161,489-3.1% | $87,485+78.8% |
| Participation rate | 65.7% | 67.5%-1.8pp | 78.7%-13.0pp | 68.9%-3.2pp |
| Annual return | 16.04% | 32.74%-16.7pp | 89.72%-73.7pp | 26.06%-10.0pp |
| Employer contribution / active EE | $3,955 | $2,588+52.8% | $4,268-7.3% | $2,596+52.3% |
| Participant deferral / active EE | $6,926 | $3,311+109.2% | $5,630+23.0% | $4,274+62.1% |
| Admin fee / account holder | $5,909 | $6,724-12.1% | $16,006-63.1% | $7,775-24.0% |