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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 | $200,820 | $78,013+157.4% | $178,449+12.5% | $80,911+148.2% |
| Participation rate | 62.5% | 65.7%-3.2pp | 77.1%-14.6pp | 67.6%-5.1pp |
| Annual return | 13.98% | 18.07%-4.1pp | 27.09%-13.1pp | 35.63%-21.6pp |
| Employer contribution / active EE | $8,142 | $2,287+256.1% | $3,951+106.1% | $2,756+195.5% |
| Participant deferral / active EE | $14,153 | $4,408+221.1% | $6,277+125.5% | $4,297+229.4% |
| Admin fee / account holder | $40,997 | $7,166+472.1% | $10,362+295.7% | $6,935+491.2% |