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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 | $206,316 | $104,098+98.2% | $140,514+46.8% | $94,015+119.5% |
| Participation rate | 65.0% | 73.7%-8.7pp | 77.8%-12.8pp | 70.8%-5.8pp |
| Annual return | 10.69% | 15.14%-4.5pp | 14.36%-3.7pp | 17.84%-7.2pp |
| Employer contribution / active EE | $2,577 | $2,388+7.9% | $3,378-23.7% | $2,790-7.6% |
| Participant deferral / active EE | $5,935 | $4,033+47.2% | $4,919+20.7% | $4,249+39.7% |
| Admin fee / account holder | $30,424 | $10,439+191.5% | $13,697+122.1% | $8,951+239.9% |