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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 | $173,925 | $65,027+167.5% | $90,970+91.2% | $79,852+117.8% |
| Participation rate | 65.6% | 61.6%+4.0pp | 69.0%-3.4pp | 69.6%-4.0pp |
| Annual return | 13.99% | 30.45%-16.5pp | 134.58%-120.6pp | 31.72%-17.7pp |
| Employer contribution / active EE | $2,175 | $1,247+74.3% | $2,122+2.5% | $2,471-12.0% |
| Participant deferral / active EE | $5,441 | $2,512+116.6% | $3,373+61.3% | $3,740+45.5% |
| Admin fee / account holder | $12,677 | $4,535+179.5% | $5,960+112.7% | $5,306+138.9% |