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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 | $102,218 | $55,902+82.9% | $76,030+34.4% | $80,959+26.3% |
| Participation rate | 65.0% | 62.1%+2.9pp | 69.1%-4.1pp | 67.7%-2.7pp |
| Annual return | 10.26% | 20.59%-10.3pp | 361.54%-351.3pp | 35.67%-25.4pp |
| Employer contribution / active EE | $2,260 | $1,867+21.1% | $2,688-15.9% | $2,757-18.0% |
| Participant deferral / active EE | $6,095 | $3,051+99.8% | $4,257+43.2% | $4,300+41.7% |
| Admin fee / account holder | $6,103 | $5,239+16.5% | $6,421-4.9% | $6,925-11.9% |