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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 | $177,910 | $86,938+104.6% | $102,423+73.7% | $80,925+119.8% |
| Participation rate | 62.2% | 72.4%-10.2pp | 76.5%-14.3pp | 67.7%-5.4pp |
| Annual return | 18.86% | 18.89%0pp | 29.42%-10.6pp | 35.65%-16.8pp |
| Employer contribution / active EE | $2,057 | $2,369-13.2% | $3,023-32.0% | $2,756-25.4% |
| Participant deferral / active EE | $4,584 | $4,120+11.3% | $5,054-9.3% | $4,299+6.6% |
| Admin fee / account holder | $3,435 | $8,053-57.3% | $9,455-63.7% | $6,940-50.5% |