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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 | $227,887 | $184,014+23.8% | $161,149+41.4% | $138,895+64.1% |
| Participation rate | 63.2% | 82.1%-18.9pp | 78.8%-15.7pp | 79.9%-16.8pp |
| Annual return | 18.06% | 21.52%-3.5pp | 21.16%-3.1pp | 145.39%-127.3pp |
| Employer contribution / active EE | $1,844 | $5,055-63.5% | $4,360-57.7% | $4,194-56.0% |
| Participant deferral / active EE | $7,179 | $6,909+3.9% | $6,153+16.7% | $6,396+12.2% |
| Admin fee / account holder | $13,756 | $18,027-23.7% | $15,194-9.5% | $12,562+9.5% |