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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 | $245,506 | $184,014+33.4% | $161,149+52.3% | $138,895+76.8% |
| Participation rate | 60.0% | 82.1%-22.1pp | 78.8%-18.8pp | 79.9%-19.9pp |
| Annual return | 16.50% | 21.52%-5.0pp | 21.16%-4.7pp | 145.39%-128.9pp |
| Employer contribution / active EE | $4,026 | $5,055-20.4% | $4,360-7.7% | $4,194-4.0% |
| Participant deferral / active EE | $5,497 | $6,909-20.4% | $6,153-10.7% | $6,396-14.1% |
| Admin fee / account holder | $12,506 | $18,027-30.6% | $15,194-17.7% | $12,562-0.5% |