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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 | $239,326 | $106,524+124.7% | $152,301+57.1% | $87,485+173.6% |
| Participation rate | 57.7% | 75.8%-18.1pp | 82.4%-24.8pp | 68.9%-11.2pp |
| Annual return | 16.19% | 26.89%-10.7pp | 80.50%-64.3pp | 26.06%-9.9pp |
| Employer contribution / active EE | $2,769 | $3,371-17.9% | $4,624-40.1% | $2,596+6.7% |
| Participant deferral / active EE | $6,729 | $6,525+3.1% | $8,004-15.9% | $4,274+57.5% |
| Admin fee / account holder | $2,235 | $8,287-73.0% | $14,398-84.5% | $7,775-71.3% |