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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 | $76,407+130.8% | $150,298+17.3% | $82,448+113.9% |
| Participation rate | 53.1% | 66.4%-13.3pp | 77.8%-24.7pp | 68.1%-15.0pp |
| Annual return | 16.79% | 39.99%-23.2pp | 62.79%-46.0pp | 41.64%-24.9pp |
| Employer contribution / active EE | $2,429 | $2,614-7.1% | $4,154-41.5% | $2,551-4.8% |
| Participant deferral / active EE | $6,015 | $3,214+87.1% | $5,453+10.3% | $4,139+45.3% |
| Admin fee / account holder | $6,766 | $6,352+6.5% | $14,116-52.1% | $7,234-6.5% |