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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 | $107,421+122.8% | $182,262+31.3% | $94,015+154.6% |
| Participation rate | 57.7% | 77.8%-20.1pp | 84.2%-26.5pp | 70.8%-13.1pp |
| Annual return | 16.19% | 21.32%-5.1pp | 140.60%-124.4pp | 17.84%-1.7pp |
| Employer contribution / active EE | $2,769 | $3,448-19.7% | $5,046-45.1% | $2,790-0.7% |
| Participant deferral / active EE | $6,729 | $6,558+2.6% | $8,276-18.7% | $4,249+58.4% |
| Admin fee / account holder | $2,235 | $8,692-74.3% | $16,712-86.6% | $8,951-75.0% |