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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 | $164,769 | $67,894+142.7% | $89,340+84.4% | $82,448+99.8% |
| Participation rate | 58.3% | 64.0%-5.7pp | 69.6%-11.2pp | 68.1%-9.7pp |
| Annual return | 14.19% | 19.21%-5.0pp | 20.57%-6.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,246 | $1,828-31.8% | $2,231-44.2% | $2,551-51.2% |
| Participant deferral / active EE | $3,650 | $3,072+18.8% | $3,823-4.5% | $4,139-11.8% |
| Admin fee / account holder | $1,766 | $5,723-69.1% | $6,704-73.7% | $7,234-75.6% |