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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 | $198,996 | $72,027+176.3% | $185,861+7.1% | $79,856+149.2% |
| Participation rate | 61.5% | 65.8%-4.2pp | 78.0%-16.5pp | 69.6%-8.1pp |
| Annual return | 13.44% | 23.13%-9.7pp | 35.96%-22.5pp | 31.71%-18.3pp |
| Employer contribution / active EE | $2,377 | $1,965+21.0% | $4,088-41.9% | $2,471-3.8% |
| Participant deferral / active EE | $4,705 | $3,780+24.5% | $5,634-16.5% | $3,741+25.8% |
| Admin fee / account holder | $2,071 | $4,513-54.1% | $9,503-78.2% | $5,306-61.0% |