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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 | $199,582 | $81,358+145.3% | $155,556+28.3% | $80,959+146.5% |
| Participation rate | 55.3% | 66.3%-11.0pp | 78.2%-23.0pp | 67.7%-12.4pp |
| Annual return | 13.65% | 33.39%-19.7pp | 64.84%-51.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $3,738 | $3,106+20.3% | $4,675-20.0% | $2,757+35.6% |
| Participant deferral / active EE | $4,267 | $3,455+23.5% | $5,631-24.2% | $4,300-0.8% |
| Admin fee / account holder | $18,893 | $7,994+136.3% | $15,885+18.9% | $6,925+172.8% |