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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 | $176,319 | $75,541+133.4% | $152,093+15.9% | $82,637+113.4% |
| Participation rate | 53.1% | 66.5%-13.5pp | 77.8%-24.7pp | 68.1%-15.0pp |
| Annual return | 16.79% | 32.56%-15.8pp | 66.36%-49.6pp | 53.51%-36.7pp |
| Employer contribution / active EE | $2,429 | $2,622-7.4% | $4,175-41.8% | $2,552-4.8% |
| Participant deferral / active EE | $6,015 | $3,206+87.6% | $5,451+10.3% | $4,126+45.8% |
| Admin fee / account holder | $6,766 | $6,405+5.6% | $14,497-53.3% | $7,339-7.8% |