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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 | $174,182 | $95,404+82.6% | $113,397+53.6% | $82,637+110.8% |
| Participation rate | 53.5% | 72.8%-19.3pp | 76.5%-23.0pp | 68.1%-14.6pp |
| Annual return | 14.83% | 19.08%-4.2pp | 23.20%-8.4pp | 53.51%-38.7pp |
| Employer contribution / active EE | $2,475 | $2,307+7.3% | $2,977-16.9% | $2,552-3.0% |
| Participant deferral / active EE | $4,542 | $4,220+7.6% | $5,076-10.5% | $4,126+10.1% |
| Admin fee / account holder | $4,895 | $9,168-46.6% | $11,957-59.1% | $7,339-33.3% |