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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 | $166,199 | $64,920+156.0% | $103,693+60.3% | $86,983+91.1% |
| Participation rate | 56.2% | 63.6%-7.4pp | 72.6%-16.5pp | 69.5%-13.4pp |
| Annual return | 18.91% | 30.29%-11.4pp | 47.61%-28.7pp | 25.83%-6.9pp |
| Employer contribution / active EE | $2,049 | $2,141-4.3% | $2,920-29.8% | $2,584-20.7% |
| Participant deferral / active EE | $5,150 | $3,241+58.9% | $4,579+12.5% | $4,194+22.8% |
| Admin fee / account holder | $3,717 | $6,191-40.0% | $7,858-52.7% | $7,856-52.7% |