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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 | $231,547 | $86,949+166.3% | $102,460+126.0% | $80,959+186.0% |
| Participation rate | 69.2% | 72.4%-3.2pp | 76.5%-7.3pp | 67.7%+1.6pp |
| Annual return | 15.22% | 18.89%-3.7pp | 29.47%-14.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $1,397 | $2,370-41.1% | $3,025-53.8% | $2,757-49.3% |
| Participant deferral / active EE | $4,034 | $4,121-2.1% | $5,056-20.2% | $4,300-6.2% |
| Admin fee / account holder | $3,067 | $8,048-61.9% | $9,460-67.6% | $6,925-55.7% |