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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 | $181,231 | $88,672+104.4% | $105,223+72.2% | $82,448+119.8% |
| Participation rate | 53.0% | 67.9%-14.9pp | 75.0%-22.0pp | 68.1%-15.1pp |
| Annual return | 13.09% | 30.86%-17.8pp | 180.65%-167.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $2,616 | $3,048-14.2% | $3,689-29.1% | $2,551+2.6% |
| Participant deferral / active EE | $5,826 | $4,036+44.3% | $5,072+14.9% | $4,139+40.7% |
| Admin fee / account holder | $18,787 | $7,146+162.9% | $8,859+112.1% | $7,234+159.7% |