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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 | $159,350 | $57,140+178.9% | $85,240+86.9% | $80,959+96.8% |
| Participation rate | 68.0% | 56.4%+11.6pp | 67.5%+0.5pp | 67.7%+0.3pp |
| Annual return | 16.35% | 21.71%-5.4pp | 66.75%-50.4pp | 35.67%-19.3pp |
| Employer contribution / active EE | $2,435 | $1,802+35.1% | $2,735-11.0% | $2,757-11.7% |
| Participant deferral / active EE | $8,102 | $3,115+160.1% | $4,527+79.0% | $4,300+88.4% |
| Admin fee / account holder | $847 | $4,992-83.0% | $6,165-86.3% | $6,925-87.8% |