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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 | $104,667 | $45,312+131.0% | $86,233+21.4% | $67,986+54.0% |
| Participation rate | 60.9% | 42.4%+18.5pp | 69.0%-8.1pp | 57.2%+3.7pp |
| Annual return | 14.36% | 24.79%-10.4pp | 61.39%-47.0pp | 31.67%-17.3pp |
| Employer contribution / active EE | $3,282 | $1,160+183.0% | $2,504+31.0% | $2,019+62.6% |
| Participant deferral / active EE | $4,081 | $2,185+86.8% | $4,559-10.5% | $3,358+21.5% |
| Admin fee / account holder | $5,455 | $3,295+65.6% | $8,342-34.6% | $3,203+70.3% |