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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 | $159,500 | $100,194+59.2% | $122,979+29.7% | $86,983+83.4% |
| Participation rate | 63.4% | 73.0%-9.6pp | 77.2%-13.8pp | 69.5%-6.2pp |
| Annual return | 13.49% | 16.47%-3.0pp | 20.12%-6.6pp | 25.83%-12.3pp |
| Employer contribution / active EE | $3,222 | $2,326+38.6% | $3,062+5.2% | $2,584+24.7% |
| Participant deferral / active EE | $5,850 | $4,133+41.5% | $5,003+16.9% | $4,194+39.5% |
| Admin fee / account holder | $5,768 | $10,148-43.2% | $12,864-55.2% | $7,856-26.6% |