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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 | $173,347 | $110,240+57.2% | $96,544+79.6% | $139,487+24.3% |
| Participation rate | 57.9% | 78.1%-20.2pp | 76.0%-18.1pp | 80.3%-22.4pp |
| Annual return | 13.19% | 26.41%-13.2pp | 25.88%-12.7pp | 373.84%-360.7pp |
| Employer contribution / active EE | $2,457 | $3,622-32.2% | $2,966-17.2% | $4,755-48.3% |
| Participant deferral / active EE | $5,792 | $5,549+4.4% | $4,851+19.4% | $6,713-13.7% |
| Admin fee / account holder | $10,686 | $11,602-7.9% | $8,254+29.5% | $11,407-6.3% |