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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 | $170,796 | $167,415+2.0% | $140,514+21.6% | $198,609-14.0% |
| Participation rate | 60.0% | 80.9%-20.9pp | 77.8%-17.8pp | 82.4%-22.4pp |
| Annual return | 17.82% | 13.85%+4.0pp | 14.36%+3.5pp | 202.70%-184.9pp |
| Employer contribution / active EE | $2,010 | $4,088-50.8% | $3,378-40.5% | $5,055-60.2% |
| Participant deferral / active EE | $4,778 | $5,579-14.3% | $4,919-2.8% | $6,977-31.5% |
| Admin fee / account holder | $9,467 | $16,730-43.4% | $13,697-30.9% | $19,030-50.3% |