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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 | $93,382 | $76,834+21.5% | $108,359-13.8% | $87,485+6.7% |
| Participation rate | 65.1% | 61.7%+3.4pp | 70.1%-5.0pp | 68.9%-3.8pp |
| Annual return | 17.12% | 19.09%-2.0pp | 36.89%-19.8pp | 26.06%-8.9pp |
| Employer contribution / active EE | $3,531 | $1,556+126.9% | $2,399+47.2% | $2,596+36.0% |
| Participant deferral / active EE | $2,947 | $3,100-5.0% | $4,137-28.8% | $4,274-31.0% |
| Admin fee / account holder | $7,725 | $6,537+18.2% | $9,741-20.7% | $7,775-0.6% |