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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 | $226,915 | $58,627+287.0% | $76,735+195.7% | $82,448+175.2% |
| Participation rate | 39.3% | 63.2%-23.9pp | 69.5%-30.2pp | 68.1%-28.7pp |
| Annual return | 13.47% | 39.10%-25.6pp | 29.77%-16.3pp | 41.64%-28.2pp |
| Employer contribution / active EE | $4,817 | $1,729+178.6% | $2,454+96.3% | $2,551+88.8% |
| Participant deferral / active EE | $3,154 | $3,134+0.7% | $4,088-22.8% | $4,139-23.8% |
| Admin fee / account holder | $5,704 | $5,323+7.2% | $7,189-20.7% | $7,234-21.1% |