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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 | $231,623 | $123,478+87.6% | $216,567+7.0% | $94,015+146.4% |
| Participation rate | 62.9% | 75.1%-12.3pp | 81.6%-18.8pp | 70.8%-8.0pp |
| Annual return | 15.86% | 23.61%-7.7pp | 12.94%+2.9pp | 17.84%-2.0pp |
| Employer contribution / active EE | $4,704 | $3,136+50.0% | $5,216-9.8% | $2,790+68.6% |
| Participant deferral / active EE | $5,427 | $4,556+19.1% | $6,191-12.3% | $4,249+27.7% |
| Admin fee / account holder | $2,999 | $12,753-76.5% | $21,981-86.4% | $8,951-66.5% |