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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 | $198,288 | $161,352+22.9% | $134,172+47.8% | $137,256+44.5% |
| Participation rate | 55.6% | 78.3%-22.7pp | 72.5%-16.9pp | 80.0%-24.4pp |
| Annual return | 13.05% | 28.72%-15.7pp | 25.30%-12.3pp | 220.34%-207.3pp |
| Employer contribution / active EE | $2,042 | $4,099-50.2% | $3,420-40.3% | $4,156-50.9% |
| Participant deferral / active EE | $4,829 | $5,552-13.0% | $4,690+3.0% | $6,407-24.6% |
| Admin fee / account holder | $1,700 | $15,028-88.7% | $12,016-85.8% | $12,270-86.1% |