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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 | $152,812 | $73,978+106.6% | $96,515+58.3% | $75,173+103.3% |
| Participation rate | 62.1% | 66.4%-4.4pp | 74.3%-12.3pp | 67.2%-5.1pp |
| Annual return | 15.66% | 26.72%-11.1pp | 35.73%-20.1pp | 160.72%-145.1pp |
| Employer contribution / active EE | $2,465 | $2,931-15.9% | $3,740-34.1% | $2,671-7.7% |
| Participant deferral / active EE | $5,248 | $3,660+43.4% | $4,880+7.5% | $4,126+27.2% |
| Admin fee / account holder | $4,196 | $5,219-19.6% | $6,735-37.7% | $5,651-25.7% |