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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 | $243,804 | $45,087+440.7% | $69,483+250.9% | $72,976+234.1% |
| Participation rate | 47.9% | 68.5%-20.6pp | 74.6%-26.7pp | 69.5%-21.6pp |
| Annual return | 20.30% | 22.67%-2.4pp | 28.99%-8.7pp | 81.02%-60.7pp |
| Employer contribution / active EE | $2,394 | $2,055+16.5% | $2,780-13.9% | $2,440-1.9% |
| Participant deferral / active EE | $4,276 | $2,603+64.3% | $3,537+20.9% | $3,608+18.5% |
| Admin fee / account holder | $2,674 | $3,057-12.5% | $3,841-30.4% | $5,124-47.8% |