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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 | $208,088 | $95,453+118.0% | $112,040+85.7% | $82,448+152.4% |
| Participation rate | 67.2% | 72.8%-5.6pp | 76.5%-9.3pp | 68.1%-0.9pp |
| Annual return | 15.99% | 23.92%-7.9pp | 24.52%-8.5pp | 41.64%-25.7pp |
| Employer contribution / active EE | $2,387 | $2,318+3.0% | $2,954-19.2% | $2,551-6.4% |
| Participant deferral / active EE | $5,063 | $4,224+19.9% | $5,098-0.7% | $4,139+22.3% |
| Admin fee / account holder | $10,973 | $9,013+21.7% | $12,098-9.3% | $7,234+51.7% |