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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 | $95,443 | $56,894+67.8% | $84,753+12.6% | $62,881+51.8% |
| Participation rate | 62.2% | 68.5%-6.3pp | 76.6%-14.4pp | 69.3%-7.1pp |
| Annual return | 10.92% | 6.30%+4.6pp | 22.78%-11.9pp | 20.14%-9.2pp |
| Employer contribution / active EE | $4,004 | $2,400+66.8% | $3,574+12.0% | $2,281+75.5% |
| Participant deferral / active EE | $4,470 | $2,709+65.0% | $3,712+20.4% | $3,203+39.6% |
| Admin fee / account holder | $3,982 | $3,581+11.2% | $5,333-25.3% | $4,296-7.3% |