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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 | $73,787+121.9% | $98,716+65.9% | $82,448+98.6% |
| Participation rate | 51.6% | 61.4%-9.8pp | 69.3%-17.7pp | 68.1%-16.5pp |
| Annual return | 15.62% | 18.57%-2.9pp | 31.81%-16.2pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,330 | $1,511+54.2% | $2,279+2.3% | $2,551-8.7% |
| Participant deferral / active EE | $4,835 | $3,081+56.9% | $4,048+19.5% | $4,139+16.8% |
| Admin fee / account holder | $59,412 | $6,500+814.0% | $8,703+582.7% | $7,234+721.2% |