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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 | $155,784 | $65,361+138.3% | $92,903+67.7% | $72,983+113.5% |
| Participation rate | 60.5% | 68.3%-7.8pp | 76.0%-15.5pp | 69.5%-9.0pp |
| Annual return | 24.30% | 42.11%-17.8pp | 109.43%-85.1pp | 81.01%-56.7pp |
| Employer contribution / active EE | $3,076 | $2,594+18.6% | $3,653-15.8% | $2,440+26.1% |
| Participant deferral / active EE | $7,047 | $3,128+125.3% | $4,238+66.3% | $3,608+95.4% |
| Admin fee / account holder | $5,060 | $4,251+19.0% | $5,795-12.7% | $5,124-1.3% |