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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 | $77,814+126.6% | $158,223+11.4% | $86,983+102.7% |
| Participation rate | 53.1% | 68.4%-15.4pp | 79.2%-26.1pp | 69.5%-16.5pp |
| Annual return | 16.79% | 30.54%-13.8pp | 52.09%-35.3pp | 25.83%-9.0pp |
| Employer contribution / active EE | $2,429 | $2,592-6.3% | $4,109-40.9% | $2,584-6.0% |
| Participant deferral / active EE | $6,015 | $3,270+84.0% | $5,467+10.0% | $4,194+43.4% |
| Admin fee / account holder | $6,766 | $5,879+15.1% | $16,047-57.8% | $7,856-13.9% |