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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 | $232,551 | $76,834+202.7% | $108,359+114.6% | $87,485+165.8% |
| Participation rate | 58.3% | 61.7%-3.4pp | 70.1%-11.8pp | 68.9%-10.6pp |
| Annual return | 18.42% | 19.09%-0.7pp | 36.89%-18.5pp | 26.06%-7.6pp |
| Employer contribution / active EE | $2,094 | $1,556+34.6% | $2,399-12.7% | $2,596-19.3% |
| Participant deferral / active EE | $4,708 | $3,100+51.9% | $4,137+13.8% | $4,274+10.2% |
| Admin fee / account holder | $1,571 | $6,537-76.0% | $9,741-83.9% | $7,775-79.8% |