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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 | $158,943 | $86,940+82.8% | $102,434+55.2% | $80,935+96.4% |
| Participation rate | 63.5% | 72.4%-8.9pp | 76.5%-13.0pp | 67.7%-4.2pp |
| Annual return | 13.45% | 18.89%-5.4pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $1,998 | $2,370-15.7% | $3,023-33.9% | $2,757-27.5% |
| Participant deferral / active EE | $6,027 | $4,121+46.3% | $5,055+19.2% | $4,299+40.2% |
| Admin fee / account holder | $3,044 | $8,047-62.2% | $9,462-67.8% | $6,924-56.0% |