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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 | $172,464 | $101,798+69.4% | $165,071+4.5% | $80,935+113.1% |
| Participation rate | 54.0% | 71.8%-17.9pp | 78.6%-24.7pp | 67.7%-13.7pp |
| Annual return | 18.58% | 16.73%+1.8pp | 70.17%-51.6pp | 35.66%-17.1pp |
| Employer contribution / active EE | $1,559 | $2,954-47.2% | $4,347-64.1% | $2,757-43.5% |
| Participant deferral / active EE | $5,260 | $4,476+17.5% | $6,035-12.8% | $4,299+22.3% |
| Admin fee / account holder | $2,295 | $8,221-72.1% | $12,695-81.9% | $6,924-66.9% |