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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 | $162,125 | $81,446+99.1% | $103,374+56.8% | $80,874+100.5% |
| Participation rate | 60.6% | 66.9%-6.2pp | 74.5%-13.9pp | 67.6%-7.0pp |
| Annual return | 12.21% | 25.57%-13.4pp | 24.89%-12.7pp | 35.62%-23.4pp |
| Employer contribution / active EE | $4,130 | $3,107+32.9% | $3,869+6.7% | $2,756+49.9% |
| Participant deferral / active EE | $6,345 | $3,870+64.0% | $5,058+25.5% | $4,297+47.7% |
| Admin fee / account holder | $34,707 | $6,715+416.9% | $8,394+313.5% | $6,935+400.4% |