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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 | $76,834+121.2% | $108,359+56.8% | $87,485+94.2% |
| Participation rate | 64.0% | 61.7%+2.3pp | 70.1%-6.1pp | 68.9%-4.9pp |
| Annual return | 18.74% | 19.09%-0.4pp | 36.89%-18.2pp | 26.06%-7.3pp |
| Employer contribution / active EE | $3,027 | $1,556+94.5% | $2,399+26.1% | $2,596+16.6% |
| Participant deferral / active EE | $6,443 | $3,100+107.8% | $4,137+55.7% | $4,274+50.8% |
| Admin fee / account holder | $1,904 | $6,537-70.9% | $9,741-80.5% | $7,775-75.5% |