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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 | $169,096 | $70,486+139.9% | $100,535+68.2% | $79,856+111.8% |
| Participation rate | 65.4% | 73.6%-8.3pp | 79.4%-14.0pp | 69.6%-4.3pp |
| Annual return | 17.60% | 21.90%-4.3pp | 30.90%-13.3pp | 31.71%-14.1pp |
| Employer contribution / active EE | $2,690 | $2,165+24.3% | $3,419-21.3% | $2,471+8.8% |
| Participant deferral / active EE | $5,578 | $5,182+7.6% | $6,271-11.1% | $3,741+49.1% |
| Admin fee / account holder | $2,811 | $4,480-37.3% | $8,085-65.2% | $5,306-47.0% |