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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 | $160,866 | $101,778+58.1% | $164,975-2.5% | $80,925+98.8% |
| Participation rate | 48.2% | 71.8%-23.6pp | 78.6%-30.4pp | 67.7%-19.4pp |
| Annual return | 15.57% | 16.73%-1.2pp | 70.12%-54.6pp | 35.65%-20.1pp |
| Employer contribution / active EE | $2,619 | $2,954-11.4% | $4,343-39.7% | $2,756-5.0% |
| Participant deferral / active EE | $5,660 | $4,477+26.4% | $6,033-6.2% | $4,299+31.7% |
| Admin fee / account holder | $18,761 | $8,221+128.2% | $12,688+47.9% | $6,940+170.3% |