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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 | $110,221 | $91,559+20.4% | $133,978-17.7% | $79,856+38.0% |
| Participation rate | 54.8% | 73.3%-18.5pp | 79.8%-25.0pp | 69.6%-14.8pp |
| Annual return | 14.08% | 61.85%-47.8pp | 45.10%-31.0pp | 31.71%-17.6pp |
| Employer contribution / active EE | $2,875 | $2,384+20.6% | $3,919-26.6% | $2,471+16.3% |
| Participant deferral / active EE | $6,235 | $3,734+67.0% | $5,047+23.5% | $3,741+66.7% |
| Admin fee / account holder | $2,127 | $6,321-66.4% | $8,930-76.2% | $5,306-59.9% |