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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 | $89,532+101.3% | $103,447+74.3% | $80,925+122.8% |
| Participation rate | 64.1% | 76.0%-12.0pp | 80.5%-16.5pp | 67.7%-3.6pp |
| Annual return | 14.30% | 22.80%-8.5pp | 23.92%-9.6pp | 35.65%-21.4pp |
| Employer contribution / active EE | $2,648 | $4,023-34.2% | $4,678-43.4% | $2,756-3.9% |
| Participant deferral / active EE | $6,685 | $5,459+22.5% | $6,624+0.9% | $4,299+55.5% |
| Admin fee / account holder | $3,685 | $6,774-45.6% | $9,415-60.9% | $6,940-46.9% |