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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 | $100,784+132.8% | $191,597+22.5% | $82,637+183.9% |
| Participation rate | 67.7% | 70.5%-2.7pp | 76.9%-9.2pp | 68.1%-0.3pp |
| Annual return | 13.22% | 18.13%-4.9pp | 27.07%-13.8pp | 53.51%-40.3pp |
| Employer contribution / active EE | $1,743 | $3,102-43.8% | $5,025-65.3% | $2,552-31.7% |
| Participant deferral / active EE | $4,703 | $4,937-4.7% | $6,850-31.3% | $4,126+14.0% |
| Admin fee / account holder | $1,720 | $10,062-82.9% | $22,799-92.5% | $7,339-76.6% |