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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 | $175,512 | $90,400+94.2% | $186,193-5.7% | $87,485+100.6% |
| Participation rate | 68.8% | 66.2%+2.6pp | 77.1%-8.4pp | 68.9%-0.2pp |
| Annual return | 20.07% | 22.15%-2.1pp | 78.03%-58.0pp | 26.06%-6.0pp |
| Employer contribution / active EE | $2,110 | $2,170-2.8% | $3,918-46.1% | $2,596-18.7% |
| Participant deferral / active EE | $3,917 | $4,330-9.5% | $6,513-39.9% | $4,274-8.4% |
| Admin fee / account holder | $11,992 | $8,673+38.3% | $11,058+8.4% | $7,775+54.2% |