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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 | $163,757 | $83,898+95.2% | $133,346+22.8% | $94,015+74.2% |
| Participation rate | 51.6% | 63.4%-11.7pp | 72.8%-21.2pp | 70.8%-19.2pp |
| Annual return | 15.62% | 16.00%-0.4pp | 36.85%-21.2pp | 17.84%-2.2pp |
| Employer contribution / active EE | $2,330 | $1,821+28.0% | $2,853-18.3% | $2,790-16.5% |
| Participant deferral / active EE | $4,835 | $3,245+49.0% | $4,332+11.6% | $4,249+13.8% |
| Admin fee / account holder | $59,412 | $7,809+660.9% | $14,264+316.5% | $8,951+563.7% |