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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 | $174,892 | $80,985+116.0% | $96,576+81.1% | $75,181+132.6% |
| Participation rate | 68.8% | 71.8%-3.0pp | 76.0%-7.2pp | 67.2%+1.6pp |
| Annual return | 14.64% | 27.05%-12.4pp | 25.87%-11.2pp | 160.69%-146.0pp |
| Employer contribution / active EE | $3,438 | $2,282+50.6% | $2,965+16.0% | $2,671+28.7% |
| Participant deferral / active EE | $6,737 | $3,929+71.5% | $4,851+38.9% | $4,126+63.3% |
| Admin fee / account holder | $14,835 | $6,719+120.8% | $8,253+79.8% | $5,650+162.6% |