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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 | $150,557 | $112,729+33.6% | $98,716+52.5% | $137,256+9.7% |
| Participation rate | 61.1% | 74.2%-13.1pp | 69.3%-8.2pp | 80.0%-18.8pp |
| Annual return | 12.30% | 38.48%-26.2pp | 31.81%-19.5pp | 220.34%-208.0pp |
| Employer contribution / active EE | $1,862 | $2,725-31.7% | $2,279-18.3% | $4,156-55.2% |
| Participant deferral / active EE | $3,962 | $4,640-14.6% | $4,048-2.1% | $6,407-38.2% |
| Admin fee / account holder | $9,577 | $10,129-5.4% | $8,703+10.0% | $12,270-22.0% |