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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 | $152,943 | $51,207+198.7% | $70,565+116.7% | $75,177+103.4% |
| Participation rate | 52.3% | 61.0%-8.7pp | 68.4%-16.1pp | 67.2%-14.9pp |
| Annual return | 17.11% | 30.05%-12.9pp | 32.79%-15.7pp | 160.75%-143.6pp |
| Employer contribution / active EE | $1,639 | $1,826-10.3% | $2,976-44.9% | $2,671-38.6% |
| Participant deferral / active EE | $4,821 | $2,850+69.2% | $4,568+5.5% | $4,126+16.8% |
| Admin fee / account holder | $10,240 | $4,097+149.9% | $6,430+59.3% | $5,651+81.2% |