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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 | $162,503 | $115,931+40.2% | $185,441-12.4% | $86,983+86.8% |
| Participation rate | 65.6% | 73.6%-8.0pp | 80.3%-14.6pp | 69.5%-3.9pp |
| Annual return | 17.72% | 21.47%-3.7pp | 20.16%-2.4pp | 25.83%-8.1pp |
| Employer contribution / active EE | $2,222 | $2,937-24.4% | $4,672-52.5% | $2,584-14.0% |
| Participant deferral / active EE | $5,819 | $4,551+27.9% | $6,152-5.4% | $4,194+38.8% |
| Admin fee / account holder | $2,222 | $10,687-79.2% | $17,890-87.6% | $7,856-71.7% |