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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 | $95,051 | $73,988+28.5% | $96,538-1.5% | $75,177+26.4% |
| Participation rate | 68.8% | 66.4%+2.3pp | 74.3%-5.6pp | 67.2%+1.5pp |
| Annual return | 16.05% | 26.73%-10.7pp | 35.74%-19.7pp | 160.75%-144.7pp |
| Employer contribution / active EE | $3,845 | $2,930+31.2% | $3,740+2.8% | $2,671+44.0% |
| Participant deferral / active EE | $4,737 | $3,660+29.4% | $4,880-2.9% | $4,126+14.8% |
| Admin fee / account holder | $2,450 | $5,220-53.1% | $6,737-63.6% | $5,651-56.7% |