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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 | $161,965 | $95,453+69.7% | $112,040+44.6% | $82,448+96.4% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 15.13% | 23.92%-8.8pp | 24.52%-9.4pp | 41.64%-26.5pp |
| Employer contribution / active EE | $3,498 | $2,318+50.9% | $2,954+18.4% | $2,551+37.1% |
| Participant deferral / active EE | $6,291 | $4,224+48.9% | $5,098+23.4% | $4,139+52.0% |
| Admin fee / account holder | $2,974 | $9,013-67.0% | $12,098-75.4% | $7,234-58.9% |