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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 | $195,459 | $76,112+156.8% | $96,544+102.5% | $71,529+173.3% |
| Participation rate | 67.0% | 74.4%-7.4pp | 76.0%-9.0pp | 67.9%-0.9pp |
| Annual return | 19.92% | 22.80%-2.9pp | 25.88%-6.0pp | 28.97%-9.1pp |
| Employer contribution / active EE | $2,485 | $2,248+10.6% | $2,966-16.2% | $2,590-4.0% |
| Participant deferral / active EE | $4,834 | $4,217+14.6% | $4,851-0.4% | $4,291+12.7% |
| Admin fee / account holder | $4,617 | $2,708+70.5% | $8,254-44.1% | $1,588+190.7% |