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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 | $200,117 | $72,607+175.6% | $90,259+121.7% | $87,485+128.7% |
| Participation rate | 65.7% | 64.8%+0.9pp | 70.7%-5.0pp | 68.9%-3.2pp |
| Annual return | 14.76% | 18.59%-3.8pp | 18.88%-4.1pp | 26.06%-11.3pp |
| Employer contribution / active EE | $1,105 | $1,919-42.4% | $2,291-51.8% | $2,596-57.5% |
| Participant deferral / active EE | $3,174 | $3,055+3.9% | $3,827-17.1% | $4,274-25.7% |
| Admin fee / account holder | $6,768 | $5,947+13.8% | $7,267-6.9% | $7,775-12.9% |