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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 | $195,544 | $167,415+16.8% | $140,514+39.2% | $198,609-1.5% |
| Participation rate | 27.8% | 80.9%-53.1pp | 77.8%-50.0pp | 82.4%-54.6pp |
| Annual return | 15.12% | 13.85%+1.3pp | 14.36%+0.8pp | 202.70%-187.6pp |
| Employer contribution / active EE | $1,357 | $4,088-66.8% | $3,378-59.8% | $5,055-73.2% |
| Participant deferral / active EE | $5,587 | $5,579+0.2% | $4,919+13.6% | $6,977-19.9% |
| Admin fee / account holder | $1,050 | $16,730-93.7% | $13,697-92.3% | $19,030-94.5% |