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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 | $160,078 | $81,476+96.5% | $102,383+56.4% | $80,925+97.8% |
| Participation rate | 69.2% | 66.8%+2.4pp | 74.5%-5.3pp | 67.7%+1.6pp |
| Annual return | 20.83% | 25.59%-4.8pp | 24.94%-4.1pp | 35.65%-14.8pp |
| Employer contribution / active EE | $2,454 | $3,105-21.0% | $3,870-36.6% | $2,756-11.0% |
| Participant deferral / active EE | $6,315 | $3,871+63.1% | $5,060+24.8% | $4,299+46.9% |
| Admin fee / account holder | $6,809 | $6,717+1.4% | $8,391-18.9% | $6,940-1.9% |