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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 | $187,803 | $76,407+145.8% | $150,298+25.0% | $82,448+127.8% |
| Participation rate | 55.2% | 66.4%-11.2pp | 77.8%-22.6pp | 68.1%-12.9pp |
| Annual return | 15.16% | 39.99%-24.8pp | 62.79%-47.6pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,157 | $2,614-17.5% | $4,154-48.1% | $2,551-15.5% |
| Participant deferral / active EE | $4,281 | $3,214+33.2% | $5,453-21.5% | $4,139+3.4% |
| Admin fee / account holder | $11,215 | $6,352+76.6% | $14,116-20.5% | $7,234+55.0% |