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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 | $190,052 | $106,524+78.4% | $152,301+24.8% | $87,485+117.2% |
| Participation rate | 68.6% | 75.8%-7.2pp | 82.4%-13.9pp | 68.9%-0.4pp |
| Annual return | 14.83% | 26.89%-12.1pp | 80.50%-65.7pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,798 | $3,371-46.7% | $4,624-61.1% | $2,596-30.7% |
| Participant deferral / active EE | $5,751 | $6,525-11.9% | $8,004-28.1% | $4,274+34.6% |
| Admin fee / account holder | $8,352 | $8,287+0.8% | $14,398-42.0% | $7,775+7.4% |