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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 | $186,474 | $103,966+79.4% | $112,899+65.2% | $75,173+148.1% |
| Participation rate | 53.1% | 75.7%-22.6pp | 80.5%-27.4pp | 67.2%-14.1pp |
| Annual return | 17.86% | 24.54%-6.7pp | 34.11%-16.3pp | 160.72%-142.9pp |
| Employer contribution / active EE | $2,128 | $3,870-45.0% | $4,566-53.4% | $2,671-20.3% |
| Participant deferral / active EE | $5,706 | $5,456+4.6% | $6,516-12.4% | $4,126+38.3% |
| Admin fee / account holder | $14,034 | $7,663+83.1% | $7,047+99.1% | $5,651+148.4% |