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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 | $174,512 | $76,407+128.4% | $150,298+16.1% | $82,448+111.7% |
| Participation rate | 45.3% | 66.4%-21.1pp | 77.8%-32.5pp | 68.1%-22.8pp |
| Annual return | 13.94% | 39.99%-26.1pp | 62.79%-48.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $2,560 | $2,614-2.1% | $4,154-38.4% | $2,551+0.4% |
| Participant deferral / active EE | $5,777 | $3,214+79.7% | $5,453+6.0% | $4,139+39.6% |
| Admin fee / account holder | $22,322 | $6,352+251.4% | $14,116+58.1% | $7,234+208.6% |