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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 | $159,464 | $105,623+51.0% | $87,502+82.2% | $273,972-41.8% |
| Participation rate | 40.0% | 78.2%-38.2pp | 73.8%-33.8pp | 83.0%-43.0pp |
| Annual return | 31.78% | 12.26%+19.5pp | 12.21%+19.6pp | 41.46%-9.7pp |
| Employer contribution / active EE | $2,730 | $3,141-13.1% | $2,550+7.1% | $4,869-43.9% |
| Participant deferral / active EE | $4,800 | $3,601+33.3% | $3,149+52.4% | $5,287-9.2% |
| Admin fee / account holder | $2,089 | $4,781-56.3% | $4,221-50.5% | $10,133-79.4% |