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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 | $94,699+100.6% | $185,441+2.4% | $65,306+190.9% |
| Participation rate | 62.9% | 64.2%-1.3pp | 80.3%-17.3pp | 57.7%+5.3pp |
| Annual return | 14.92% | 16.71%-1.8pp | 20.16%-5.2pp | 21.94%-7.0pp |
| Employer contribution / active EE | $2,505 | $2,381+5.2% | $4,672-46.4% | $1,967+27.3% |
| Participant deferral / active EE | $4,725 | $3,568+32.4% | $6,152-23.2% | $2,959+59.7% |
| Admin fee / account holder | $8,694 | $4,797+81.2% | $17,890-51.4% | $3,480+149.8% |