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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 | $193,431 | $72,607+166.4% | $90,259+114.3% | $87,485+121.1% |
| Participation rate | 64.5% | 64.8%-0.3pp | 70.7%-6.2pp | 68.9%-4.4pp |
| Annual return | 20.22% | 18.59%+1.6pp | 18.88%+1.3pp | 26.06%-5.8pp |
| Employer contribution / active EE | $925 | $1,919-51.8% | $2,291-59.6% | $2,596-64.4% |
| Participant deferral / active EE | $5,398 | $3,055+76.7% | $3,827+41.1% | $4,274+26.3% |
| Admin fee / account holder | $46,488 | $5,947+681.7% | $7,267+539.7% | $7,775+497.9% |