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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 | $234,640 | $99,633+135.5% | $183,328+28.0% | $82,448+184.6% |
| Participation rate | 67.7% | 70.8%-3.0pp | 77.3%-9.6pp | 68.1%-0.3pp |
| Annual return | 13.22% | 17.84%-4.6pp | 29.67%-16.4pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,743 | $3,256-46.5% | $5,055-65.5% | $2,551-31.7% |
| Participant deferral / active EE | $4,703 | $4,938-4.8% | $6,795-30.8% | $4,139+13.6% |
| Admin fee / account holder | $1,720 | $9,934-82.7% | $21,427-92.0% | $7,234-76.2% |