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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 | $137,620 | $79,955+72.1% | $98,461+39.8% | $75,173+83.1% |
| Participation rate | 69.2% | 70.4%-1.1pp | 75.2%-5.9pp | 67.2%+2.0pp |
| Annual return | 16.74% | 19.75%-3.0pp | 21.17%-4.4pp | 160.72%-144.0pp |
| Employer contribution / active EE | $700 | $2,264-69.1% | $3,049-77.0% | $2,671-73.8% |
| Participant deferral / active EE | $4,710 | $3,752+25.5% | $4,738-0.6% | $4,126+14.2% |
| Admin fee / account holder | $10,833 | $6,841+58.3% | $8,961+20.9% | $5,651+91.7% |