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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 | $217,548 | $101,795+113.7% | $165,100+31.8% | $80,959+168.7% |
| Participation rate | 57.5% | 71.8%-14.3pp | 78.6%-21.1pp | 67.7%-10.1pp |
| Annual return | 15.61% | 16.73%-1.1pp | 70.21%-54.6pp | 35.67%-20.1pp |
| Employer contribution / active EE | $3,153 | $2,954+6.8% | $4,348-27.5% | $2,757+14.4% |
| Participant deferral / active EE | $7,247 | $4,476+61.9% | $6,035+20.1% | $4,300+68.5% |
| Admin fee / account holder | $3,372 | $8,221-59.0% | $12,696-73.4% | $6,925-51.3% |