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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 | $177,661 | $81,358+118.4% | $155,556+14.2% | $80,959+119.4% |
| Participation rate | 47.3% | 66.3%-19.0pp | 78.2%-31.0pp | 67.7%-20.4pp |
| Annual return | 11.17% | 33.39%-22.2pp | 64.84%-53.7pp | 35.67%-24.5pp |
| Employer contribution / active EE | $2,301 | $3,106-25.9% | $4,675-50.8% | $2,757-16.5% |
| Participant deferral / active EE | $6,439 | $3,455+86.4% | $5,631+14.4% | $4,300+49.7% |
| Admin fee / account holder | $2,746 | $7,994-65.6% | $15,885-82.7% | $6,925-60.3% |