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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 | $81,276+145.6% | $155,574+28.3% | $80,925+146.6% |
| Participation rate | 55.3% | 66.2%-11.0pp | 78.2%-22.9pp | 67.7%-12.4pp |
| Annual return | 13.65% | 33.36%-19.7pp | 64.87%-51.2pp | 35.65%-22.0pp |
| Employer contribution / active EE | $3,738 | $3,103+20.5% | $4,676-20.1% | $2,756+35.6% |
| Participant deferral / active EE | $4,267 | $3,453+23.6% | $5,629-24.2% | $4,299-0.7% |
| Admin fee / account holder | $18,893 | $7,993+136.4% | $15,914+18.7% | $6,940+172.2% |