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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 | $199,672 | $63,949+212.2% | $129,031+54.7% | $94,015+112.4% |
| Participation rate | 68.6% | 63.4%+5.1pp | 73.4%-4.8pp | 70.8%-2.2pp |
| Annual return | 13.30% | 17.56%-4.3pp | 34.67%-21.4pp | 17.84%-4.5pp |
| Employer contribution / active EE | $2,549 | $1,865+36.7% | $3,226-21.0% | $2,790-8.6% |
| Participant deferral / active EE | $3,449 | $3,686-6.4% | $5,217-33.9% | $4,249-18.8% |
| Admin fee / account holder | $7,589 | $5,523+37.4% | $13,208-42.5% | $8,951-15.2% |