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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 | $193,410 | $86,050+124.8% | $189,758+1.9% | $94,015+105.7% |
| Participation rate | 60.0% | 68.9%-8.9pp | 79.8%-19.8pp | 70.8%-10.8pp |
| Annual return | 17.18% | 17.77%-0.6pp | 52.62%-35.4pp | 17.84%-0.7pp |
| Employer contribution / active EE | $1,711 | $2,819-39.3% | $4,767-64.1% | $2,790-38.7% |
| Participant deferral / active EE | $4,087 | $3,349+22.0% | $5,856-30.2% | $4,249-3.8% |
| Admin fee / account holder | $10,361 | $6,627+56.4% | $20,388-49.2% | $8,951+15.8% |