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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 | $204,292 | $86,330+136.6% | $121,871+67.6% | $94,015+117.3% |
| Participation rate | 55.6% | 66.7%-11.1pp | 73.2%-17.6pp | 70.8%-15.3pp |
| Annual return | 16.91% | 14.95%+2.0pp | 13.57%+3.3pp | 17.84%-0.9pp |
| Employer contribution / active EE | $2,010 | $2,292-12.3% | $2,731-26.4% | $2,790-28.0% |
| Participant deferral / active EE | $4,554 | $3,146+44.7% | $4,318+5.5% | $4,249+7.2% |
| Admin fee / account holder | $1,448 | $7,346-80.3% | $11,551-87.5% | $8,951-83.8% |