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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 | $220,324 | $69,444+217.3% | $92,985+136.9% | $87,485+151.8% |
| Participation rate | 59.3% | 63.3%-4.0pp | 69.5%-10.2pp | 68.9%-9.7pp |
| Annual return | 15.38% | 23.85%-8.5pp | 27.99%-12.6pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,492 | $1,917-22.2% | $2,662-44.0% | $2,596-42.5% |
| Participant deferral / active EE | $3,625 | $3,364+7.8% | $4,377-17.2% | $4,274-15.2% |
| Admin fee / account holder | $1,959 | $6,137-68.1% | $9,463-79.3% | $7,775-74.8% |