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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 | $175,174 | $64,010+173.7% | $108,359+61.7% | $64,340+172.3% |
| Participation rate | 54.8% | 49.4%+5.4pp | 70.1%-15.3pp | 55.2%-0.4pp |
| Annual return | 19.20% | 19.74%-0.5pp | 36.89%-17.7pp | 24.14%-4.9pp |
| Employer contribution / active EE | $851 | $1,029-17.3% | $2,399-64.5% | $1,862-54.3% |
| Participant deferral / active EE | $6,329 | $2,395+164.2% | $4,137+53.0% | $2,980+112.4% |
| Admin fee / account holder | $17,190 | $4,885+251.9% | $9,741+76.5% | $3,703+364.3% |