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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 | $190,624 | $93,345+104.2% | $119,126+60.0% | $87,485+117.9% |
| Participation rate | 62.3% | 68.7%-6.5pp | 75.8%-13.5pp | 68.9%-6.7pp |
| Annual return | 17.87% | 19.08%-1.2pp | 282.11%-264.2pp | 26.06%-8.2pp |
| Employer contribution / active EE | $2,776 | $3,172-12.5% | $4,034-31.2% | $2,596+6.9% |
| Participant deferral / active EE | $3,597 | $4,099-12.2% | $5,318-32.4% | $4,274-15.8% |
| Admin fee / account holder | $9,217 | $8,039+14.7% | $10,693-13.8% | $7,775+18.6% |