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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 | $162,339 | $83,369+94.7% | $105,223+54.3% | $67,986+138.8% |
| Participation rate | 63.3% | 56.3%+7.0pp | 75.0%-11.8pp | 57.2%+6.1pp |
| Annual return | 28.19% | 24.64%+3.5pp | 180.65%-152.5pp | 31.67%-3.5pp |
| Employer contribution / active EE | $3,138 | $2,541+23.5% | $3,689-14.9% | $2,019+55.4% |
| Participant deferral / active EE | $4,244 | $3,295+28.8% | $5,072-16.3% | $3,358+26.4% |
| Admin fee / account holder | $3,706 | $4,073-9.0% | $8,859-58.2% | $3,203+15.7% |