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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 | $180,664 | $56,894+217.5% | $84,753+113.2% | $62,881+187.3% |
| Participation rate | 57.5% | 68.5%-11.0pp | 76.6%-19.1pp | 69.3%-11.8pp |
| Annual return | 6.55% | 6.30%+0.2pp | 22.78%-16.2pp | 20.14%-13.6pp |
| Employer contribution / active EE | $3,400 | $2,400+41.7% | $3,574-4.9% | $2,281+49.1% |
| Participant deferral / active EE | $2,034 | $2,709-24.9% | $3,712-45.2% | $3,203-36.5% |
| Admin fee / account holder | $1,062 | $3,581-70.4% | $5,333-80.1% | $4,296-75.3% |