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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 | $147,403 | $112,729+30.8% | $98,716+49.3% | $137,256+7.4% |
| Participation rate | 20.0% | 74.2%-54.2pp | 69.3%-49.3pp | 80.0%-60.0pp |
| Annual return | 18.51% | 38.48%-20.0pp | 31.81%-13.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $1,332 | $2,725-51.1% | $2,279-41.5% | $4,156-67.9% |
| Participant deferral / active EE | $6,200 | $4,640+33.6% | $4,048+53.2% | $6,407-3.2% |
| Admin fee / account holder | $670 | $10,129-93.4% | $8,703-92.3% | $12,270-94.5% |