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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 | $169,236 | $61,815+173.8% | $97,295+73.9% | $80,959+109.0% |
| Participation rate | 49.1% | 63.5%-14.4pp | 72.7%-23.6pp | 67.7%-18.6pp |
| Annual return | 12.80% | -558.73%+571.5pp | 75.62%-62.8pp | 35.67%-22.9pp |
| Employer contribution / active EE | $2,280 | $1,836+24.1% | $2,723-16.3% | $2,757-17.3% |
| Participant deferral / active EE | $4,391 | $3,027+45.1% | $4,264+3.0% | $4,300+2.1% |
| Admin fee / account holder | $675 | $5,166-86.9% | $5,646-88.0% | $6,925-90.3% |