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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 | $180,262 | $89,515+101.4% | $103,065+74.9% | $80,959+122.7% |
| Participation rate | 64.1% | 76.0%-11.9pp | 80.6%-16.5pp | 67.7%-3.6pp |
| Annual return | 14.30% | 22.82%-8.5pp | 23.95%-9.7pp | 35.67%-21.4pp |
| Employer contribution / active EE | $2,648 | $4,015-34.1% | $4,675-43.4% | $2,757-4.0% |
| Participant deferral / active EE | $6,685 | $5,463+22.4% | $6,625+0.9% | $4,300+55.5% |
| Admin fee / account holder | $3,685 | $6,527-43.5% | $9,349-60.6% | $6,925-46.8% |