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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 | $154,185 | $81,504+89.2% | $102,437+50.5% | $80,959+90.4% |
| Participation rate | 60.0% | 66.9%-6.9pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 11.53% | 25.60%-14.1pp | 24.95%-13.4pp | 35.67%-24.1pp |
| Employer contribution / active EE | $2,440 | $3,104-21.4% | $3,871-37.0% | $2,757-11.5% |
| Participant deferral / active EE | $6,123 | $3,871+58.2% | $5,060+21.0% | $4,300+42.4% |
| Admin fee / account holder | $4,275 | $6,719-36.4% | $8,388-49.0% | $6,925-38.3% |