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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 | $57,073+128.3% | $85,126+53.1% | $80,925+61.0% |
| Participation rate | 61.1% | 56.4%+4.7pp | 67.5%-6.4pp | 67.7%-6.5pp |
| Annual return | 12.93% | 21.69%-8.8pp | 66.63%-53.7pp | 35.65%-22.7pp |
| Employer contribution / active EE | $2,535 | $1,801+40.8% | $2,731-7.2% | $2,756-8.0% |
| Participant deferral / active EE | $4,534 | $3,113+45.6% | $4,523+0.2% | $4,299+5.5% |
| Admin fee / account holder | $9,356 | $4,988+87.6% | $6,160+51.9% | $6,940+34.8% |