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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 | $176,144 | $86,294+104.1% | $111,303+58.3% | $85,856+105.2% |
| Participation rate | 57.4% | 73.3%-15.9pp | 77.3%-19.9pp | 69.3%-11.9pp |
| Annual return | 14.47% | 19.99%-5.5pp | 54.66%-40.2pp | 318.58%-304.1pp |
| Employer contribution / active EE | $2,087 | $2,043+2.1% | $2,731-23.6% | $2,565-18.6% |
| Participant deferral / active EE | $4,448 | $3,641+22.2% | $4,487-0.9% | $3,952+12.5% |
| Admin fee / account holder | $3,055 | $8,189-62.7% | $7,966-61.6% | $6,261-51.2% |