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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 | $171,870 | $86,940+97.7% | $102,434+67.8% | $80,935+112.4% |
| Participation rate | 57.7% | 72.4%-14.7pp | 76.5%-18.8pp | 67.7%-10.0pp |
| Annual return | 20.85% | 18.89%+2.0pp | 29.46%-8.6pp | 35.66%-14.8pp |
| Employer contribution / active EE | $2,772 | $2,370+17.0% | $3,023-8.3% | $2,757+0.5% |
| Participant deferral / active EE | $5,323 | $4,121+29.2% | $5,055+5.3% | $4,299+23.8% |
| Admin fee / account holder | $2,519 | $8,047-68.7% | $9,462-73.4% | $6,924-63.6% |