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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 | $181,093 | $95,453+89.7% | $112,040+61.6% | $82,448+119.6% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.5%-14.0pp | 68.1%-5.6pp |
| Annual return | 14.44% | 23.92%-9.5pp | 24.52%-10.1pp | 41.64%-27.2pp |
| Employer contribution / active EE | $3,218 | $2,318+38.8% | $2,954+8.9% | $2,551+26.1% |
| Participant deferral / active EE | $6,401 | $4,224+51.5% | $5,098+25.6% | $4,139+54.6% |
| Admin fee / account holder | $20,869 | $9,013+131.5% | $12,098+72.5% | $7,234+188.5% |