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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 | $220,870 | $78,690+180.7% | $161,489+36.8% | $87,485+152.5% |
| Participation rate | 64.3% | 67.5%-3.2pp | 78.7%-14.4pp | 68.9%-4.6pp |
| Annual return | 16.30% | 32.74%-16.4pp | 89.72%-73.4pp | 26.06%-9.8pp |
| Employer contribution / active EE | $2,505 | $2,588-3.2% | $4,268-41.3% | $2,596-3.5% |
| Participant deferral / active EE | $3,683 | $3,311+11.3% | $5,630-34.6% | $4,274-13.8% |
| Admin fee / account holder | $3,658 | $6,724-45.6% | $16,006-77.1% | $7,775-52.9% |