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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 | $200,989 | $76,371+163.2% | $93,621+114.7% | $72,975+175.4% |
| Participation rate | 57.1% | 71.8%-14.6pp | 75.8%-18.7pp | 69.5%-12.3pp |
| Annual return | 25.42% | 25.82%-0.4pp | 32.76%-7.3pp | 81.01%-55.6pp |
| Employer contribution / active EE | $1,300 | $2,276-42.9% | $2,719-52.2% | $2,440-46.7% |
| Participant deferral / active EE | $4,796 | $3,538+35.5% | $4,070+17.9% | $3,608+32.9% |
| Admin fee / account holder | $2,894 | $6,839-57.7% | $7,890-63.3% | $5,124-43.5% |