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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 | $235,258 | $101,752+131.2% | $164,928+42.6% | $80,911+190.8% |
| Participation rate | 62.7% | 71.8%-9.2pp | 78.6%-15.9pp | 67.6%-5.0pp |
| Annual return | 11.35% | 16.73%-5.4pp | 70.08%-58.7pp | 35.63%-24.3pp |
| Employer contribution / active EE | $2,355 | $2,953-20.2% | $4,343-45.8% | $2,756-14.5% |
| Participant deferral / active EE | $4,798 | $4,477+7.2% | $6,034-20.5% | $4,297+11.7% |
| Admin fee / account holder | $7,925 | $8,218-3.6% | $12,684-37.5% | $6,935+14.3% |