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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 | $169,614 | $81,504+108.1% | $102,437+65.6% | $80,959+109.5% |
| Participation rate | 56.1% | 66.9%-10.8pp | 74.5%-18.4pp | 67.7%-11.6pp |
| Annual return | 21.24% | 25.60%-4.4pp | 24.95%-3.7pp | 35.67%-14.4pp |
| Employer contribution / active EE | $1,502 | $3,104-51.6% | $3,871-61.2% | $2,757-45.5% |
| Participant deferral / active EE | $4,870 | $3,871+25.8% | $5,060-3.8% | $4,300+13.2% |
| Admin fee / account holder | $9,257 | $6,719+37.8% | $8,388+10.4% | $6,925+33.7% |