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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 | $236,923 | $73,787+221.1% | $98,716+140.0% | $82,448+187.4% |
| Participation rate | 55.4% | 61.4%-6.0pp | 69.3%-13.9pp | 68.1%-12.7pp |
| Annual return | 16.48% | 18.57%-2.1pp | 31.81%-15.3pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,067 | $1,511-29.4% | $2,279-53.2% | $2,551-58.2% |
| Participant deferral / active EE | $3,502 | $3,081+13.6% | $4,048-13.5% | $4,139-15.4% |
| Admin fee / account holder | $5,374 | $6,500-17.3% | $8,703-38.3% | $7,234-25.7% |