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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 | $64,462+212.8% | $81,482+147.5% | $80,911+149.2% |
| Participation rate | 49.2% | 63.9%-14.7pp | 69.5%-20.3pp | 67.6%-18.5pp |
| Annual return | 20.16% | 16.35%+3.8pp | 24.79%-4.6pp | 35.63%-15.5pp |
| Employer contribution / active EE | $958 | $1,979-51.6% | $2,463-61.1% | $2,756-65.2% |
| Participant deferral / active EE | $3,283 | $3,094+6.1% | $3,885-15.5% | $4,297-23.6% |
| Admin fee / account holder | $4,091 | $5,678-27.9% | $5,761-29.0% | $6,935-41.0% |