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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 | $213,311 | $95,453+123.5% | $112,040+90.4% | $82,448+158.7% |
| Participation rate | 65.0% | 72.8%-7.8pp | 76.5%-11.5pp | 68.1%-3.1pp |
| Annual return | 17.71% | 23.92%-6.2pp | 24.52%-6.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $2,403 | $2,318+3.7% | $2,954-18.6% | $2,551-5.8% |
| Participant deferral / active EE | $4,326 | $4,224+2.4% | $5,098-15.1% | $4,139+4.5% |
| Admin fee / account holder | $35,600 | $9,013+295.0% | $12,098+194.3% | $7,234+392.1% |