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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 | $204,504 | $95,959+113.1% | $97,411+109.9% | $138,895+47.2% |
| Participation rate | 52.2% | 81.8%-29.7pp | 80.4%-28.2pp | 79.9%-27.7pp |
| Annual return | 14.55% | 29.30%-14.7pp | 34.72%-20.2pp | 145.39%-130.8pp |
| Employer contribution / active EE | $3,249 | $4,278-24.1% | $4,210-22.8% | $4,194-22.5% |
| Participant deferral / active EE | $6,599 | $5,876+12.3% | $5,886+12.1% | $6,396+3.2% |
| Admin fee / account holder | $1,178 | $7,555-84.4% | $7,145-83.5% | $12,562-90.6% |