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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 | $189,946 | $91,120+108.5% | $161,149+17.9% | $64,097+196.3% |
| Participation rate | 62.9% | 62.2%+0.7pp | 78.8%-15.9pp | 55.2%+7.7pp |
| Annual return | 14.92% | 17.95%-3.0pp | 21.16%-6.2pp | 34.64%-19.7pp |
| Employer contribution / active EE | $2,505 | $2,284+9.7% | $4,360-42.5% | $1,891+32.4% |
| Participant deferral / active EE | $4,725 | $3,708+27.4% | $6,153-23.2% | $3,080+53.4% |
| Admin fee / account holder | $8,694 | $4,535+91.7% | $15,194-42.8% | $3,454+151.7% |