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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 | $180,132 | $67,602+166.5% | $82,312+118.8% | $70,126+156.9% |
| Participation rate | 65.8% | 72.8%-7.0pp | 76.9%-11.1pp | 69.5%-3.8pp |
| Annual return | 19.85% | 21.57%-1.7pp | 25.88%-6.0pp | 73.15%-53.3pp |
| Employer contribution / active EE | $1,547 | $1,755-11.9% | $2,428-36.3% | $2,343-34.0% |
| Participant deferral / active EE | $5,419 | $2,987+81.4% | $3,706+46.2% | $3,332+62.7% |
| Admin fee / account holder | $4,643 | $4,512+2.9% | $5,608-17.2% | $4,645-0.1% |