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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 | $169,920 | $73,787+130.3% | $98,716+72.1% | $82,448+106.1% |
| Participation rate | 64.0% | 61.4%+2.6pp | 69.3%-5.3pp | 68.1%-4.1pp |
| Annual return | 18.74% | 18.57%+0.2pp | 31.81%-13.1pp | 41.64%-22.9pp |
| Employer contribution / active EE | $3,027 | $1,511+100.3% | $2,279+32.8% | $2,551+18.7% |
| Participant deferral / active EE | $6,443 | $3,081+109.1% | $4,048+59.2% | $4,139+55.6% |
| Admin fee / account holder | $1,904 | $6,500-70.7% | $8,703-78.1% | $7,234-73.7% |