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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 | $174,158 | $102,245+70.3% | $89,340+94.9% | $137,256+26.9% |
| Participation rate | 42.9% | 74.9%-32.0pp | 69.6%-26.7pp | 80.0%-37.1pp |
| Annual return | 15.55% | 21.89%-6.3pp | 20.57%-5.0pp | 220.34%-204.8pp |
| Employer contribution / active EE | $2,118 | $2,529-16.3% | $2,231-5.1% | $4,156-49.0% |
| Participant deferral / active EE | $4,423 | $4,436-0.3% | $3,823+15.7% | $6,407-31.0% |
| Admin fee / account holder | $10,282 | $8,085+27.2% | $6,704+53.4% | $12,270-16.2% |