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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 | $78,690+121.8% | $161,489+8.1% | $87,485+99.5% |
| Participation rate | 45.3% | 67.5%-22.2pp | 78.7%-33.4pp | 68.9%-23.6pp |
| Annual return | 13.94% | 32.74%-18.8pp | 89.72%-75.8pp | 26.06%-12.1pp |
| Employer contribution / active EE | $2,560 | $2,588-1.1% | $4,268-40.0% | $2,596-1.4% |
| Participant deferral / active EE | $5,777 | $3,311+74.5% | $5,630+2.6% | $4,274+35.2% |
| Admin fee / account holder | $22,322 | $6,724+232.0% | $16,006+39.5% | $7,775+187.1% |