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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 | $200,733 | $73,955+171.4% | $96,520+108.0% | $75,181+167.0% |
| Participation rate | 68.0% | 66.4%+1.6pp | 74.3%-6.3pp | 67.2%+0.8pp |
| Annual return | 13.61% | 26.72%-13.1pp | 35.72%-22.1pp | 160.69%-147.1pp |
| Employer contribution / active EE | $3,812 | $2,930+30.1% | $3,739+2.0% | $2,671+42.8% |
| Participant deferral / active EE | $10,387 | $3,659+183.8% | $4,879+112.9% | $4,126+151.7% |
| Admin fee / account holder | $7,151 | $5,217+37.1% | $6,733+6.2% | $5,650+26.6% |