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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 | $208,556 | $111,814+86.5% | $103,378+101.7% | $145,978+42.9% |
| Participation rate | 64.3% | 77.9%-13.6pp | 74.5%-10.2pp | 80.3%-16.0pp |
| Annual return | 12.60% | 24.80%-12.2pp | 24.91%-12.3pp | 550.52%-537.9pp |
| Employer contribution / active EE | $3,978 | $4,215-5.6% | $3,870+2.8% | $4,662-14.7% |
| Participant deferral / active EE | $4,411 | $5,618-21.5% | $5,058-12.8% | $6,690-34.1% |
| Admin fee / account holder | $4,471 | $9,764-54.2% | $8,401-46.8% | $13,400-66.6% |