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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 | $116,952 | $63,114+85.3% | $92,909+25.9% | $65,185+79.4% |
| Participation rate | 69.9% | 68.8%+1.1pp | 76.0%-6.1pp | 70.2%-0.3pp |
| Annual return | 82.76% | 28.75%+54.0pp | 109.44%-26.7pp | 29.38%+53.4pp |
| Employer contribution / active EE | $1,227 | $2,571-52.3% | $3,653-66.4% | $2,177-43.6% |
| Participant deferral / active EE | $4,511 | $3,108+45.1% | $4,238+6.4% | $3,514+28.4% |
| Admin fee / account holder | $6,535 | $624+948.0% | $5,795+12.8% | $847+671.4% |