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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 | $213,074 | $167,415+27.3% | $140,514+51.6% | $198,609+7.3% |
| Participation rate | 60.0% | 80.9%-20.9pp | 77.8%-17.8pp | 82.4%-22.4pp |
| Annual return | 15.10% | 13.85%+1.3pp | 14.36%+0.7pp | 202.70%-187.6pp |
| Employer contribution / active EE | $2,211 | $4,088-45.9% | $3,378-34.5% | $5,055-56.3% |
| Participant deferral / active EE | $7,914 | $5,579+41.9% | $4,919+60.9% | $6,977+13.4% |
| Admin fee / account holder | $15,038 | $16,730-10.1% | $13,697+9.8% | $19,030-21.0% |