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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 | $226,133 | $76,407+196.0% | $150,298+50.5% | $82,448+174.3% |
| Participation rate | 47.3% | 66.4%-19.1pp | 77.8%-30.5pp | 68.1%-20.8pp |
| Annual return | 18.12% | 39.99%-21.9pp | 62.79%-44.7pp | 41.64%-23.5pp |
| Employer contribution / active EE | $2,461 | $2,614-5.9% | $4,154-40.8% | $2,551-3.5% |
| Participant deferral / active EE | $4,328 | $3,214+34.6% | $5,453-20.6% | $4,139+4.5% |
| Admin fee / account holder | $14,049 | $6,352+121.2% | $14,116-0.5% | $7,234+94.2% |