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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 | $157,125 | $81,457+92.9% | $103,378+52.0% | $80,911+94.2% |
| Participation rate | 47.5% | 66.8%-19.3pp | 74.5%-27.0pp | 67.6%-20.1pp |
| Annual return | 22.69% | 25.58%-2.9pp | 24.91%-2.2pp | 35.63%-12.9pp |
| Employer contribution / active EE | $2,079 | $3,107-33.1% | $3,870-46.3% | $2,756-24.5% |
| Participant deferral / active EE | $5,044 | $3,871+30.3% | $5,058-0.3% | $4,297+17.4% |
| Admin fee / account holder | $808 | $6,717-88.0% | $8,401-90.4% | $6,935-88.4% |