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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 | $232,583 | $76,407+204.4% | $150,298+54.7% | $82,448+182.1% |
| Participation rate | 69.2% | 66.4%+2.8pp | 77.8%-8.5pp | 68.1%+1.2pp |
| Annual return | 14.18% | 39.99%-25.8pp | 62.79%-48.6pp | 41.64%-27.5pp |
| Employer contribution / active EE | $905 | $2,614-65.4% | $4,154-78.2% | $2,551-64.5% |
| Participant deferral / active EE | $9,345 | $3,214+190.7% | $5,453+71.4% | $4,139+125.8% |
| Admin fee / account holder | $6,290 | $6,352-1.0% | $14,116-55.4% | $7,234-13.1% |