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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 | $77,574+111.1% | $108,753+50.6% | $86,983+88.3% |
| Participation rate | 51.6% | 62.3%-10.7pp | 71.1%-19.5pp | 69.5%-17.9pp |
| Annual return | 15.62% | 18.42%-2.8pp | 37.47%-21.8pp | 25.83%-10.2pp |
| Employer contribution / active EE | $2,330 | $1,611+44.7% | $2,427-4.0% | $2,584-9.8% |
| Participant deferral / active EE | $4,835 | $3,128+54.6% | $4,115+17.5% | $4,194+15.3% |
| Admin fee / account holder | $59,412 | $6,529+810.0% | $10,320+475.7% | $7,856+656.3% |