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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 | $214,873 | $81,276+164.4% | $155,574+38.1% | $80,925+165.5% |
| Participation rate | 54.9% | 66.2%-11.3pp | 78.2%-23.3pp | 67.7%-12.8pp |
| Annual return | 16.14% | 33.36%-17.2pp | 64.87%-48.7pp | 35.65%-19.5pp |
| Employer contribution / active EE | $2,838 | $3,103-8.5% | $4,676-39.3% | $2,756+3.0% |
| Participant deferral / active EE | $7,319 | $3,453+112.0% | $5,629+30.0% | $4,299+70.3% |
| Admin fee / account holder | $7,049 | $7,993-11.8% | $15,914-55.7% | $6,940+1.6% |