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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 | $154,024 | $101,752+51.4% | $164,928-6.6% | $80,911+90.4% |
| Participation rate | 60.3% | 71.8%-11.5pp | 78.6%-18.3pp | 67.6%-7.3pp |
| Annual return | 15.68% | 16.73%-1.0pp | 70.08%-54.4pp | 35.63%-20.0pp |
| Employer contribution / active EE | $2,787 | $2,953-5.6% | $4,343-35.8% | $2,756+1.1% |
| Participant deferral / active EE | $6,587 | $4,477+47.1% | $6,034+9.2% | $4,297+53.3% |
| Admin fee / account holder | $48,909 | $8,218+495.2% | $12,684+285.6% | $6,935+605.3% |