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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 | $152,138 | $77,574+96.1% | $108,753+39.9% | $86,983+74.9% |
| Participation rate | 64.4% | 62.3%+2.1pp | 71.1%-6.7pp | 69.5%-5.2pp |
| Annual return | 18.14% | 18.42%-0.3pp | 37.47%-19.3pp | 25.83%-7.7pp |
| Employer contribution / active EE | $930 | $1,611-42.3% | $2,427-61.7% | $2,584-64.0% |
| Participant deferral / active EE | $2,979 | $3,128-4.8% | $4,115-27.6% | $4,194-29.0% |
| Admin fee / account holder | $9,370 | $6,529+43.5% | $10,320-9.2% | $7,856+19.3% |