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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 | $53,583+223.9% | $114,563+51.5% | $64,340+169.8% |
| Participation rate | 51.1% | 47.4%+3.8pp | 72.9%-21.8pp | 55.2%-4.1pp |
| Annual return | 16.22% | 24.51%-8.3pp | 241.09%-224.9pp | 24.14%-7.9pp |
| Employer contribution / active EE | $1,345 | $1,087+23.7% | $2,592-48.1% | $1,862-27.7% |
| Participant deferral / active EE | $4,538 | $2,134+112.7% | $4,142+9.6% | $2,980+52.3% |
| Admin fee / account holder | $6,587 | $3,206+105.5% | $7,623-13.6% | $3,703+77.9% |