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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 | $205,500 | $81,446+152.3% | $103,374+98.8% | $80,874+154.1% |
| Participation rate | 59.0% | 66.9%-7.9pp | 74.5%-15.5pp | 67.6%-8.7pp |
| Annual return | 11.43% | 25.57%-14.1pp | 24.89%-13.5pp | 35.62%-24.2pp |
| Employer contribution / active EE | $2,024 | $3,107-34.9% | $3,869-47.7% | $2,756-26.6% |
| Participant deferral / active EE | $3,914 | $3,870+1.1% | $5,058-22.6% | $4,297-8.9% |
| Admin fee / account holder | $6,834 | $6,715+1.8% | $8,394-18.6% | $6,935-1.5% |