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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 | $173,718 | $86,949+99.8% | $102,460+69.5% | $80,959+114.6% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.7%-19.4pp |
| Annual return | 19.61% | 18.89%+0.7pp | 29.47%-9.9pp | 35.67%-16.1pp |
| Employer contribution / active EE | $1,745 | $2,370-26.4% | $3,025-42.3% | $2,757-36.7% |
| Participant deferral / active EE | $4,193 | $4,121+1.8% | $5,056-17.1% | $4,300-2.5% |
| Admin fee / account holder | $7,315 | $8,048-9.1% | $9,460-22.7% | $6,925+5.6% |