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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 | $224,995 | $78,027+188.4% | $178,528+26.0% | $80,925+178.0% |
| Participation rate | 66.7% | 65.7%+1.0pp | 77.1%-10.4pp | 67.7%-1.0pp |
| Annual return | 13.35% | 18.09%-4.7pp | 27.11%-13.8pp | 35.65%-22.3pp |
| Employer contribution / active EE | $3,094 | $2,281+35.6% | $3,950-21.7% | $2,756+12.3% |
| Participant deferral / active EE | $7,251 | $4,408+64.5% | $6,278+15.5% | $4,299+68.7% |
| Admin fee / account holder | $877 | $7,168-87.8% | $10,419-91.6% | $6,940-87.4% |