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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 | $168,851 | $97,550+73.1% | $120,344+40.3% | $87,485+93.0% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.7%-10.0pp | 68.9%-2.3pp |
| Annual return | 13.75% | 18.41%-4.7pp | 20.30%-6.6pp | 26.06%-12.3pp |
| Employer contribution / active EE | $3,060 | $2,291+33.6% | $3,020+1.3% | $2,596+17.8% |
| Participant deferral / active EE | $7,294 | $4,230+72.4% | $5,135+42.1% | $4,274+70.7% |
| Admin fee / account holder | $22,775 | $9,543+138.7% | $12,742+78.7% | $7,775+192.9% |