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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 | $98,864 | $51,202+93.1% | $70,548+40.1% | $75,181+31.5% |
| Participation rate | 63.6% | 61.0%+2.7pp | 68.3%-4.7pp | 67.2%-3.6pp |
| Annual return | 14.45% | 30.05%-15.6pp | 32.78%-18.3pp | 160.69%-146.2pp |
| Employer contribution / active EE | $2,191 | $1,827+20.0% | $2,975-26.3% | $2,671-17.9% |
| Participant deferral / active EE | $3,780 | $2,850+32.6% | $4,567-17.2% | $4,126-8.4% |
| Admin fee / account holder | $8,559 | $4,094+109.1% | $6,424+33.2% | $5,650+51.5% |