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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 | $170,860 | $110,083+55.2% | $151,639+12.7% | $68,486+149.5% |
| Participation rate | 69.8% | 84.0%-14.2pp | 87.5%-17.7pp | 67.9%+1.9pp |
| Annual return | 22.32% | -10.12%+32.4pp | 3.34%+19.0pp | -7.85%+30.2pp |
| Employer contribution / active EE | $4,530 | $4,470+1.3% | $6,165-26.5% | $2,597+74.4% |
| Participant deferral / active EE | $5,952 | $6,526-8.8% | $8,363-28.8% | $4,028+47.8% |
| Admin fee / account holder | $13,722 | $7,718+77.8% | $11,613+18.2% | $5,404+153.9% |