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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 | $246,492 | $77,901+216.4% | $149,717+64.6% | $75,181+227.9% |
| Participation rate | 43.1% | 65.6%-22.5pp | 78.8%-35.7pp | 67.2%-24.1pp |
| Annual return | 17.43% | 31.73%-14.3pp | 134.41%-117.0pp | 160.69%-143.3pp |
| Employer contribution / active EE | $1,743 | $3,137-44.4% | $4,820-63.8% | $2,671-34.7% |
| Participant deferral / active EE | $5,300 | $3,411+55.4% | $5,682-6.7% | $4,126+28.4% |
| Admin fee / account holder | $5,166 | $5,949-13.2% | $13,213-60.9% | $5,650-8.6% |