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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 | $195,979 | $79,955+145.1% | $98,461+99.0% | $75,173+160.7% |
| Participation rate | 50.7% | 70.4%-19.7pp | 75.2%-24.5pp | 67.2%-16.5pp |
| Annual return | 16.48% | 19.75%-3.3pp | 21.17%-4.7pp | 160.72%-144.2pp |
| Employer contribution / active EE | $687 | $2,264-69.7% | $3,049-77.5% | $2,671-74.3% |
| Participant deferral / active EE | $4,506 | $3,752+20.1% | $4,738-4.9% | $4,126+9.2% |
| Admin fee / account holder | $9,653 | $6,841+41.1% | $8,961+7.7% | $5,651+70.8% |