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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 | $160,730 | $72,486+121.7% | $87,103+84.5% | $72,976+120.3% |
| Participation rate | 65.6% | 72.8%-7.2pp | 76.9%-11.2pp | 69.5%-3.9pp |
| Annual return | 22.71% | 24.46%-1.7pp | 28.19%-5.5pp | 81.02%-58.3pp |
| Employer contribution / active EE | $1,364 | $1,894-28.0% | $2,521-45.9% | $2,440-44.1% |
| Participant deferral / active EE | $5,749 | $3,270+75.8% | $4,049+42.0% | $3,608+59.4% |
| Admin fee / account holder | $10,360 | $5,055+105.0% | $7,491+38.3% | $5,124+102.2% |