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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 | $101,523 | $71,197+42.6% | $93,669+8.4% | $80,925+25.5% |
| Participation rate | 67.6% | 60.4%+7.2pp | 68.7%-1.2pp | 67.7%-0.1pp |
| Annual return | 22.98% | 11.27%+11.7pp | 133.59%-110.6pp | 35.65%-12.7pp |
| Employer contribution / active EE | $1,428 | $1,565-8.8% | $2,424-41.1% | $2,756-48.2% |
| Participant deferral / active EE | $5,710 | $4,036+41.5% | $4,416+29.3% | $4,299+32.8% |
| Admin fee / account holder | $4,128 | $6,959-40.7% | $8,291-50.2% | $6,940-40.5% |