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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 | $160,132 | $106,864+49.8% | $147,318+8.7% | $82,637+93.8% |
| Participation rate | 53.3% | 75.5%-22.2pp | 82.1%-28.7pp | 68.1%-14.7pp |
| Annual return | 16.65% | 27.49%-10.8pp | 70.43%-53.8pp | 53.51%-36.9pp |
| Employer contribution / active EE | $2,215 | $3,417-35.2% | $4,593-51.8% | $2,552-13.2% |
| Participant deferral / active EE | $6,820 | $6,496+5.0% | $7,906-13.7% | $4,126+65.3% |
| Admin fee / account holder | $15,428 | $8,415+83.3% | $13,708+12.6% | $7,339+110.2% |