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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 | $206,330 | $76,407+170.0% | $150,298+37.3% | $82,448+150.3% |
| Participation rate | 65.8% | 66.4%-0.6pp | 77.8%-12.0pp | 68.1%-2.3pp |
| Annual return | 15.84% | 39.99%-24.2pp | 62.79%-47.0pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,544 | $2,614-2.7% | $4,154-38.8% | $2,551-0.3% |
| Participant deferral / active EE | $5,845 | $3,214+81.8% | $5,453+7.2% | $4,139+41.2% |
| Admin fee / account holder | $2,826 | $6,352-55.5% | $14,116-80.0% | $7,234-60.9% |