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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 | $199,858 | $93,617+113.5% | $135,982+47.0% | $75,177+165.8% |
| Participation rate | 60.6% | 75.2%-14.6pp | 81.9%-21.3pp | 67.2%-6.6pp |
| Annual return | 18.05% | 30.89%-12.8pp | 68.32%-50.3pp | 160.75%-142.7pp |
| Employer contribution / active EE | $1,368 | $3,538-61.3% | $4,859-71.9% | $2,671-48.8% |
| Participant deferral / active EE | $5,082 | $6,406-20.7% | $7,760-34.5% | $4,126+23.2% |
| Admin fee / account holder | $3,889 | $6,980-44.3% | $10,767-63.9% | $5,651-31.2% |