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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 | $200,497 | $77,901+157.4% | $149,717+33.9% | $75,181+166.7% |
| Participation rate | 63.8% | 65.6%-1.7pp | 78.8%-14.9pp | 67.2%-3.4pp |
| Annual return | 17.55% | 31.73%-14.2pp | 134.41%-116.9pp | 160.69%-143.1pp |
| Employer contribution / active EE | $3,191 | $3,137+1.7% | $4,820-33.8% | $2,671+19.5% |
| Participant deferral / active EE | $4,413 | $3,411+29.4% | $5,682-22.3% | $4,126+6.9% |
| Admin fee / account holder | $6,576 | $5,949+10.5% | $13,213-50.2% | $5,650+16.4% |