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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 | $170,032 | $57,073+197.9% | $85,126+99.7% | $80,925+110.1% |
| Participation rate | 57.7% | 56.4%+1.3pp | 67.5%-9.8pp | 67.7%-10.0pp |
| Annual return | 11.06% | 21.69%-10.6pp | 66.63%-55.6pp | 35.65%-24.6pp |
| Employer contribution / active EE | $1,547 | $1,801-14.1% | $2,731-43.4% | $2,756-43.9% |
| Participant deferral / active EE | $6,309 | $3,113+102.6% | $4,523+39.5% | $4,299+46.8% |
| Admin fee / account holder | $8,113 | $4,988+62.7% | $6,160+31.7% | $6,940+16.9% |