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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 | $173,560 | $49,657+249.5% | $93,063+86.5% | $67,986+155.3% |
| Participation rate | 51.1% | 49.9%+1.2pp | 72.1%-21.0pp | 57.2%-6.1pp |
| Annual return | 16.22% | 26.27%-10.0pp | 34.15%-17.9pp | 31.67%-15.4pp |
| Employer contribution / active EE | $1,345 | $1,279+5.2% | $2,476-45.7% | $2,019-33.4% |
| Participant deferral / active EE | $4,538 | $2,484+82.7% | $3,958+14.6% | $3,358+35.1% |
| Admin fee / account holder | $6,587 | $2,843+131.7% | $6,033+9.2% | $3,203+105.7% |