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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 | $172,030 | $91,760+87.5% | $156,181+10.1% | $67,986+153.0% |
| Participation rate | 50.7% | 65.0%-14.3pp | 78.8%-28.1pp | 57.2%-6.5pp |
| Annual return | 16.34% | 18.14%-1.8pp | 64.87%-48.5pp | 31.67%-15.3pp |
| Employer contribution / active EE | $2,254 | $2,419-6.8% | $4,294-47.5% | $2,019+11.7% |
| Participant deferral / active EE | $4,228 | $3,960+6.8% | $6,132-31.0% | $3,358+25.9% |
| Admin fee / account holder | $3,213 | $3,949-18.6% | $14,586-78.0% | $3,203+0.3% |