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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 | $189,205 | $91,559+106.6% | $133,978+41.2% | $79,856+136.9% |
| Participation rate | 63.2% | 73.3%-10.2pp | 79.8%-16.7pp | 69.6%-6.5pp |
| Annual return | 18.06% | 61.85%-43.8pp | 45.10%-27.0pp | 31.71%-13.6pp |
| Employer contribution / active EE | $2,064 | $2,384-13.4% | $3,919-47.3% | $2,471-16.5% |
| Participant deferral / active EE | $4,667 | $3,734+25.0% | $5,047-7.5% | $3,741+24.8% |
| Admin fee / account holder | $943 | $6,321-85.1% | $8,930-89.4% | $5,306-82.2% |