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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 | $175,943 | $83,898+109.7% | $133,346+31.9% | $94,015+87.1% |
| Participation rate | 68.6% | 63.4%+5.2pp | 72.8%-4.3pp | 70.8%-2.2pp |
| Annual return | 14.96% | 16.00%-1.0pp | 36.85%-21.9pp | 17.84%-2.9pp |
| Employer contribution / active EE | $2,101 | $1,821+15.4% | $2,853-26.4% | $2,790-24.7% |
| Participant deferral / active EE | $4,045 | $3,245+24.7% | $4,332-6.6% | $4,249-4.8% |
| Admin fee / account holder | $11,632 | $7,809+49.0% | $14,264-18.5% | $8,951+30.0% |