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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 | $230,898 | $138,393+66.8% | $184,256+25.3% | $80,959+185.2% |
| Participation rate | 52.6% | 83.9%-31.3pp | 86.8%-34.2pp | 67.7%-15.0pp |
| Annual return | 18.11% | 20.01%-1.9pp | 28.85%-10.7pp | 35.67%-17.6pp |
| Employer contribution / active EE | $2,663 | $4,847-45.1% | $6,427-58.6% | $2,757-3.4% |
| Participant deferral / active EE | $5,276 | $7,076-25.4% | $9,133-42.2% | $4,300+22.7% |
| Admin fee / account holder | $2,322 | $10,489-77.9% | $13,899-83.3% | $6,925-66.5% |