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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 | $110,215 | $48,364+127.9% | $71,796+53.5% | $62,881+75.3% |
| Participation rate | 61.8% | 60.6%+1.1pp | 69.1%-7.3pp | 69.3%-7.5pp |
| Annual return | 8.68% | 13.16%-4.5pp | 78.04%-69.4pp | 20.14%-11.5pp |
| Employer contribution / active EE | $870 | $1,042-16.5% | $1,924-54.8% | $2,281-61.9% |
| Participant deferral / active EE | $3,351 | $2,091+60.2% | $2,794+19.9% | $3,203+4.6% |
| Admin fee / account holder | $4,596 | $3,771+21.9% | $4,815-4.5% | $4,296+7.0% |