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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 | $241,082 | $95,453+152.6% | $112,040+115.2% | $82,448+192.4% |
| Participation rate | 68.2% | 72.8%-4.6pp | 76.5%-8.3pp | 68.1%+0.1pp |
| Annual return | 18.48% | 23.92%-5.4pp | 24.52%-6.0pp | 41.64%-23.2pp |
| Employer contribution / active EE | $2,995 | $2,318+29.2% | $2,954+1.4% | $2,551+17.4% |
| Participant deferral / active EE | $7,704 | $4,224+82.4% | $5,098+51.1% | $4,139+86.1% |
| Admin fee / account holder | $15,873 | $9,013+76.1% | $12,098+31.2% | $7,234+119.4% |