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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 | $96,038 | $77,638+23.7% | $156,551-38.7% | $62,881+52.7% |
| Participation rate | 67.7% | 71.2%-3.5pp | 84.0%-16.3pp | 69.3%-1.6pp |
| Annual return | 6.31% | 50.33%-44.0pp | 32.23%-25.9pp | 20.14%-13.8pp |
| Employer contribution / active EE | $5,130 | $3,444+48.9% | $5,501-6.8% | $2,281+124.9% |
| Participant deferral / active EE | $4,074 | $3,046+33.8% | $4,871-16.4% | $3,203+27.2% |
| Admin fee / account holder | $1,989 | $5,561-64.2% | $13,028-84.7% | $4,296-53.7% |