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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 | $153,566 | $73,988+107.6% | $96,538+59.1% | $75,177+104.3% |
| Participation rate | 53.8% | 66.4%-12.6pp | 74.3%-20.5pp | 67.2%-13.4pp |
| Annual return | 20.01% | 26.73%-6.7pp | 35.74%-15.7pp | 160.75%-140.7pp |
| Employer contribution / active EE | $1,767 | $2,930-39.7% | $3,740-52.8% | $2,671-33.9% |
| Participant deferral / active EE | $7,401 | $3,660+102.2% | $4,880+51.6% | $4,126+79.4% |
| Admin fee / account holder | $2,034 | $5,220-61.0% | $6,737-69.8% | $5,651-64.0% |