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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 | $190,624 | $88,672+115.0% | $105,223+81.2% | $82,448+131.2% |
| Participation rate | 62.3% | 67.9%-5.7pp | 75.0%-12.8pp | 68.1%-5.8pp |
| Annual return | 17.87% | 30.86%-13.0pp | 180.65%-162.8pp | 41.64%-23.8pp |
| Employer contribution / active EE | $2,776 | $3,048-8.9% | $3,689-24.7% | $2,551+8.8% |
| Participant deferral / active EE | $3,597 | $4,036-10.9% | $5,072-29.1% | $4,139-13.1% |
| Admin fee / account holder | $9,217 | $7,146+29.0% | $8,859+4.0% | $7,234+27.4% |