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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 | $149,452 | $73,787+102.5% | $98,716+51.4% | $82,448+81.3% |
| Participation rate | 66.7% | 61.4%+5.3pp | 69.3%-2.6pp | 68.1%-1.4pp |
| Annual return | 16.66% | 18.57%-1.9pp | 31.81%-15.1pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,814 | $1,511+20.0% | $2,279-20.4% | $2,551-28.9% |
| Participant deferral / active EE | $4,376 | $3,081+42.0% | $4,048+8.1% | $4,139+5.7% |
| Admin fee / account holder | $4,479 | $6,500-31.1% | $8,703-48.5% | $7,234-38.1% |