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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 | $198,059 | $47,848+313.9% | $81,473+143.1% | $70,126+182.4% |
| Participation rate | 67.6% | 58.3%+9.3pp | 68.0%-0.4pp | 69.5%-2.0pp |
| Annual return | 16.32% | 27.25%-10.9pp | 38.78%-22.5pp | 73.15%-56.8pp |
| Employer contribution / active EE | $738 | $1,527-51.7% | $2,568-71.3% | $2,343-68.5% |
| Participant deferral / active EE | $2,865 | $2,453+16.8% | $3,537-19.0% | $3,332-14.0% |
| Admin fee / account holder | $6,939 | $3,145+120.6% | $4,561+52.1% | $4,645+49.4% |