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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 | $171,914 | $73,988+132.4% | $96,538+78.1% | $75,177+128.7% |
| Participation rate | 44.1% | 66.4%-22.3pp | 74.3%-30.2pp | 67.2%-23.1pp |
| Annual return | 18.86% | 26.73%-7.9pp | 35.74%-16.9pp | 160.75%-141.9pp |
| Employer contribution / active EE | $1,930 | $2,930-34.1% | $3,740-48.4% | $2,671-27.7% |
| Participant deferral / active EE | $5,423 | $3,660+48.2% | $4,880+11.1% | $4,126+31.4% |
| Admin fee / account holder | $7,959 | $5,220+52.5% | $6,737+18.1% | $5,651+40.8% |