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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 | $249,081 | $101,795+144.7% | $165,100+50.9% | $80,959+207.7% |
| Participation rate | 58.8% | 71.8%-13.1pp | 78.6%-19.9pp | 67.7%-8.9pp |
| Annual return | 16.26% | 16.73%-0.5pp | 70.21%-54.0pp | 35.67%-19.4pp |
| Employer contribution / active EE | $2,514 | $2,954-14.9% | $4,348-42.2% | $2,757-8.8% |
| Participant deferral / active EE | $5,378 | $4,476+20.1% | $6,035-10.9% | $4,300+25.1% |
| Admin fee / account holder | $12,154 | $8,221+47.8% | $12,696-4.3% | $6,925+75.5% |