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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 | $162,503 | $110,137+47.5% | $161,149+0.8% | $82,637+96.6% |
| Participation rate | 65.6% | 72.4%-6.7pp | 78.8%-13.2pp | 68.1%-2.4pp |
| Annual return | 17.72% | 20.69%-3.0pp | 21.16%-3.4pp | 53.51%-35.8pp |
| Employer contribution / active EE | $2,222 | $2,856-22.2% | $4,360-49.0% | $2,552-13.0% |
| Participant deferral / active EE | $5,819 | $4,575+27.2% | $6,153-5.4% | $4,126+41.0% |
| Admin fee / account holder | $2,222 | $9,467-76.5% | $15,194-85.4% | $7,339-69.7% |