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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 | $146,180 | $72,272+102.3% | $101,264+44.4% | $79,858+83.1% |
| Participation rate | 42.4% | 68.5%-26.0pp | 75.8%-33.4pp | 69.6%-27.2pp |
| Annual return | 18.79% | 22.30%-3.5pp | 46.48%-27.7pp | 31.72%-12.9pp |
| Employer contribution / active EE | $1,727 | $2,692-35.8% | $3,660-52.8% | $2,471-30.1% |
| Participant deferral / active EE | $2,614 | $3,282-20.3% | $4,370-40.2% | $3,740-30.1% |
| Admin fee / account holder | $4,393 | $4,401-0.2% | $5,947-26.1% | $5,306-17.2% |