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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 | $113,077 | $72,272+56.5% | $101,264+11.7% | $79,858+41.6% |
| Participation rate | 65.0% | 68.5%-3.5pp | 75.8%-10.8pp | 69.6%-4.6pp |
| Annual return | 24.46% | 22.30%+2.2pp | 46.48%-22.0pp | 31.72%-7.3pp |
| Employer contribution / active EE | $2,266 | $2,692-15.8% | $3,660-38.1% | $2,471-8.3% |
| Participant deferral / active EE | $5,621 | $3,282+71.3% | $4,370+28.6% | $3,740+50.3% |
| Admin fee / account holder | $896 | $4,401-79.6% | $5,947-84.9% | $5,306-83.1% |