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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 | $234,107 | $63,809+266.9% | $81,353+187.8% | $80,935+189.3% |
| Participation rate | 40.5% | 63.9%-23.4pp | 69.5%-29.0pp | 67.7%-27.1pp |
| Annual return | 25.50% | 16.37%+9.1pp | 24.82%+0.7pp | 35.66%-10.2pp |
| Employer contribution / active EE | $2,203 | $1,981+11.2% | $2,464-10.6% | $2,757-20.1% |
| Participant deferral / active EE | $4,001 | $3,093+29.3% | $3,885+3.0% | $4,299-6.9% |
| Admin fee / account holder | $14,604 | $5,686+156.9% | $5,766+153.3% | $6,924+110.9% |