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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 | $182,698 | $86,940+110.1% | $102,434+78.4% | $80,935+125.7% |
| Participation rate | 69.2% | 72.4%-3.2pp | 76.5%-7.3pp | 67.7%+1.6pp |
| Annual return | 14.36% | 18.89%-4.5pp | 29.46%-15.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,795 | $2,370-24.3% | $3,023-40.6% | $2,757-34.9% |
| Participant deferral / active EE | $5,567 | $4,121+35.1% | $5,055+10.1% | $4,299+29.5% |
| Admin fee / account holder | $51,968 | $8,047+545.8% | $9,462+449.2% | $6,924+650.5% |