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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 | $157,778 | $77,472+103.7% | $100,415+57.1% | $80,959+94.9% |
| Participation rate | 62.3% | 76.9%-14.7pp | 81.5%-19.3pp | 67.7%-5.4pp |
| Annual return | 18.38% | 37.26%-18.9pp | 49.47%-31.1pp | 35.67%-17.3pp |
| Employer contribution / active EE | $705 | $2,800-74.8% | $3,943-82.1% | $2,757-74.4% |
| Participant deferral / active EE | $7,463 | $6,818+9.5% | $8,091-7.8% | $4,300+73.5% |
| Admin fee / account holder | $16,053 | $5,885+172.8% | $7,906+103.0% | $6,925+131.8% |