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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 | $201,649 | $63,845+215.8% | $81,370+147.8% | $80,959+149.1% |
| Participation rate | 49.2% | 63.9%-14.7pp | 69.5%-20.4pp | 67.7%-18.5pp |
| Annual return | 20.16% | 16.37%+3.8pp | 24.85%-4.7pp | 35.67%-15.5pp |
| Employer contribution / active EE | $958 | $1,980-51.6% | $2,464-61.1% | $2,757-65.3% |
| Participant deferral / active EE | $3,283 | $3,093+6.2% | $3,885-15.5% | $4,300-23.6% |
| Admin fee / account holder | $4,091 | $5,688-28.1% | $5,749-28.8% | $6,925-40.9% |