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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 | $159,585 | $77,492+105.9% | $100,398+59.0% | $80,911+97.2% |
| Participation rate | 63.5% | 76.9%-13.5pp | 81.5%-18.0pp | 67.6%-4.2pp |
| Annual return | 14.57% | 37.23%-22.7pp | 49.32%-34.7pp | 35.63%-21.1pp |
| Employer contribution / active EE | $1,144 | $2,800-59.1% | $3,946-71.0% | $2,756-58.5% |
| Participant deferral / active EE | $8,506 | $6,817+24.8% | $8,084+5.2% | $4,297+97.9% |
| Admin fee / account holder | $2,775 | $5,892-52.9% | $7,893-64.8% | $6,935-60.0% |