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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 | $159,850 | $112,729+41.8% | $98,716+61.9% | $137,256+16.5% |
| Participation rate | 62.5% | 74.2%-11.7pp | 69.3%-6.8pp | 80.0%-17.5pp |
| Annual return | 10.24% | 38.48%-28.2pp | 31.81%-21.6pp | 220.34%-210.1pp |
| Employer contribution / active EE | $2,297 | $2,725-15.7% | $2,279+0.8% | $4,156-44.7% |
| Participant deferral / active EE | $4,926 | $4,640+6.2% | $4,048+21.7% | $6,407-23.1% |
| Admin fee / account holder | $19,791 | $10,129+95.4% | $8,703+127.4% | $12,270+61.3% |