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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 | $84,398 | $71,215+18.5% | $93,696-9.9% | $80,935+4.3% |
| Participation rate | 68.1% | 60.4%+7.7pp | 68.7%-0.6pp | 67.7%+0.4pp |
| Annual return | 16.90% | 11.27%+5.6pp | 133.74%-116.8pp | 35.66%-18.8pp |
| Employer contribution / active EE | $900 | $1,565-42.5% | $2,422-62.8% | $2,757-67.3% |
| Participant deferral / active EE | $4,120 | $4,037+2.1% | $4,417-6.7% | $4,299-4.2% |
| Admin fee / account holder | $3,134 | $6,958-55.0% | $8,287-62.2% | $6,924-54.7% |