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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 | $198,583 | $106,749+86.0% | $145,433+36.5% | $82,448+140.9% |
| Participation rate | 61.0% | 75.6%-14.7pp | 82.1%-21.1pp | 68.1%-7.1pp |
| Annual return | 15.25% | 27.59%-12.3pp | 66.58%-51.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,284 | $3,444-62.7% | $4,554-71.8% | $2,551-49.7% |
| Participant deferral / active EE | $11,097 | $6,519+70.2% | $7,897+40.5% | $4,139+168.1% |
| Admin fee / account holder | $12,689 | $8,390+51.2% | $13,129-3.4% | $7,234+75.4% |