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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 | $178,800 | $181,896-1.7% | $156,551+14.2% | $273,972-34.7% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | 3.97% | 30.74%-26.8pp | 32.23%-28.3pp | 41.46%-37.5pp |
| Employer contribution / active EE | $10,268 | $6,248+64.3% | $5,501+86.7% | $4,869+110.9% |
| Participant deferral / active EE | $5,055 | $5,550-8.9% | $4,871+3.8% | $5,287-4.4% |
| Admin fee / account holder | $1,130 | $15,560-92.7% | $13,028-91.3% | $10,133-88.8% |