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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 | $236,349 | $81,331+190.6% | $155,534+52.0% | $80,935+192.0% |
| Participation rate | 64.0% | 66.3%-2.3pp | 78.2%-14.2pp | 67.7%-3.7pp |
| Annual return | 18.68% | 33.37%-14.7pp | 64.92%-46.2pp | 35.66%-17.0pp |
| Employer contribution / active EE | $2,225 | $3,105-28.3% | $4,675-52.4% | $2,757-19.3% |
| Participant deferral / active EE | $6,849 | $3,454+98.3% | $5,630+21.6% | $4,299+59.3% |
| Admin fee / account holder | $3,479 | $7,999-56.5% | $15,900-78.1% | $6,924-49.8% |