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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 | $86,050+170.3% | $189,758+22.6% | $94,015+147.4% |
| Participation rate | 69.2% | 68.9%+0.3pp | 79.8%-10.6pp | 70.8%-1.6pp |
| Annual return | 14.18% | 17.77%-3.6pp | 52.62%-38.4pp | 17.84%-3.7pp |
| Employer contribution / active EE | $905 | $2,819-67.9% | $4,767-81.0% | $2,790-67.6% |
| Participant deferral / active EE | $9,345 | $3,349+179.1% | $5,856+59.6% | $4,249+119.9% |
| Admin fee / account holder | $6,290 | $6,627-5.1% | $20,388-69.1% | $8,951-29.7% |