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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 | $125,872 | $86,294+45.9% | $111,303+13.1% | $85,856+46.6% |
| Participation rate | 57.1% | 73.3%-16.2pp | 77.3%-20.2pp | 69.3%-12.2pp |
| Annual return | 29.33% | 19.99%+9.3pp | 54.66%-25.3pp | 318.58%-289.3pp |
| Employer contribution / active EE | $2,783 | $2,043+36.2% | $2,731+1.9% | $2,565+8.5% |
| Participant deferral / active EE | $4,356 | $3,641+19.6% | $4,487-2.9% | $3,952+10.2% |
| Admin fee / account holder | $6,728 | $8,189-17.8% | $7,966-15.5% | $6,261+7.5% |