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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 | $222,137 | $78,027+184.7% | $178,528+24.4% | $80,925+174.5% |
| Participation rate | 63.4% | 65.7%-2.3pp | 77.1%-13.7pp | 67.7%-4.2pp |
| Annual return | 12.29% | 18.09%-5.8pp | 27.11%-14.8pp | 35.65%-23.4pp |
| Employer contribution / active EE | $1,653 | $2,281-27.5% | $3,950-58.1% | $2,756-40.0% |
| Participant deferral / active EE | $6,259 | $4,408+42.0% | $6,278-0.3% | $4,299+45.6% |
| Admin fee / account holder | $16,224 | $7,168+126.4% | $10,419+55.7% | $6,940+133.8% |