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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 | $115,066 | $65,555+75.5% | $86,216+33.5% | $75,173+53.1% |
| Participation rate | 64.9% | 60.5%+4.4pp | 69.0%-4.1pp | 67.2%-2.3pp |
| Annual return | 13.75% | 46.07%-32.3pp | 1169.42%-1155.7pp | 160.72%-147.0pp |
| Employer contribution / active EE | $1,898 | $1,553+22.2% | $2,382-20.3% | $2,671-28.9% |
| Participant deferral / active EE | $3,459 | $3,023+14.4% | $3,986-13.2% | $4,126-16.2% |
| Admin fee / account holder | $6,546 | $5,469+19.7% | $6,853-4.5% | $5,651+15.8% |