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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 | $218,751 | $73,978+195.7% | $96,515+126.7% | $75,173+191.0% |
| Participation rate | 64.7% | 66.4%-1.7pp | 74.3%-9.6pp | 67.2%-2.5pp |
| Annual return | 19.55% | 26.72%-7.2pp | 35.73%-16.2pp | 160.72%-141.2pp |
| Employer contribution / active EE | $2,529 | $2,931-13.7% | $3,740-32.4% | $2,671-5.3% |
| Participant deferral / active EE | $6,924 | $3,660+89.2% | $4,880+41.9% | $4,126+67.8% |
| Admin fee / account holder | $4,161 | $5,219-20.3% | $6,735-38.2% | $5,651-26.4% |