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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 | $206,504 | $99,345+107.9% | $84,753+143.7% | $273,972-24.6% |
| Participation rate | 45.5% | 80.7%-35.2pp | 76.6%-31.1pp | 83.0%-37.6pp |
| Annual return | 6.50% | 22.93%-16.4pp | 22.78%-16.3pp | 41.46%-35.0pp |
| Employer contribution / active EE | $3,946 | $4,214-6.4% | $3,574+10.4% | $4,869-19.0% |
| Participant deferral / active EE | $5,375 | $4,270+25.9% | $3,712+44.8% | $5,287+1.7% |
| Admin fee / account holder | $26,551 | $6,645+299.5% | $5,333+397.9% | $10,133+162.0% |