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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 | $158,673 | $65,246+143.2% | $98,716+60.7% | $67,986+133.4% |
| Participation rate | 58.1% | 51.4%+6.7pp | 69.3%-11.2pp | 57.2%+0.9pp |
| Annual return | 14.08% | 20.58%-6.5pp | 31.81%-17.7pp | 31.67%-17.6pp |
| Employer contribution / active EE | $1,963 | $1,042+88.3% | $2,279-13.9% | $2,019-2.8% |
| Participant deferral / active EE | $3,878 | $2,594+49.5% | $4,048-4.2% | $3,358+15.5% |
| Admin fee / account holder | $13,612 | $4,561+198.5% | $8,703+56.4% | $3,203+325.0% |