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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 | $87,085 | $81,358+7.0% | $155,556-44.0% | $80,959+7.6% |
| Participation rate | 60.7% | 66.3%-5.6pp | 78.2%-17.5pp | 67.7%-7.0pp |
| Annual return | 13.51% | 33.39%-19.9pp | 64.84%-51.3pp | 35.67%-22.2pp |
| Employer contribution / active EE | $7,129 | $3,106+129.5% | $4,675+52.5% | $2,757+158.6% |
| Participant deferral / active EE | $8,666 | $3,455+150.8% | $5,631+53.9% | $4,300+101.5% |
| Admin fee / account holder | $19,452 | $7,994+143.4% | $15,885+22.5% | $6,925+180.9% |