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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 | $110,083 | $71,215+54.6% | $93,696+17.5% | $80,935+36.0% |
| Participation rate | 45.8% | 60.4%-14.6pp | 68.7%-22.9pp | 67.7%-21.8pp |
| Annual return | 14.96% | 11.27%+3.7pp | 133.74%-118.8pp | 35.66%-20.7pp |
| Employer contribution / active EE | $1,760 | $1,565+12.4% | $2,422-27.3% | $2,757-36.2% |
| Participant deferral / active EE | $4,439 | $4,037+10.0% | $4,417+0.5% | $4,299+3.3% |
| Admin fee / account holder | $8,154 | $6,958+17.2% | $8,287-1.6% | $6,924+17.8% |