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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 | $85,566 | $45,626+87.5% | $94,105-9.1% | $64,097+33.5% |
| Participation rate | 61.1% | 48.0%+13.1pp | 71.9%-10.9pp | 55.2%+5.9pp |
| Annual return | 17.91% | 28.23%-10.3pp | 204.55%-186.6pp | 34.64%-16.7pp |
| Employer contribution / active EE | $1,945 | $1,171+66.2% | $2,504-22.3% | $1,891+2.8% |
| Participant deferral / active EE | $3,917 | $2,128+84.1% | $3,881+0.9% | $3,080+27.2% |
| Admin fee / account holder | $7,620 | $2,872+165.3% | $6,199+22.9% | $3,454+120.6% |