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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 | $130,313 | $57,057+128.4% | $85,009+53.3% | $80,874+61.1% |
| Participation rate | 61.1% | 56.4%+4.8pp | 67.5%-6.4pp | 67.6%-6.5pp |
| Annual return | 12.93% | 21.66%-8.7pp | 66.47%-53.5pp | 35.62%-22.7pp |
| Employer contribution / active EE | $2,535 | $1,799+40.9% | $2,728-7.1% | $2,756-8.0% |
| Participant deferral / active EE | $4,534 | $3,112+45.7% | $4,522+0.3% | $4,297+5.5% |
| Admin fee / account holder | $9,356 | $4,986+87.6% | $6,153+52.1% | $6,935+34.9% |