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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 | $119,262 | $58,848+102.7% | $88,179+35.3% | $82,637+44.3% |
| Participation rate | 58.8% | 57.9%+0.9pp | 69.1%-10.3pp | 68.1%-9.2pp |
| Annual return | 23.25% | 22.76%+0.5pp | 64.97%-41.7pp | 53.51%-30.3pp |
| Employer contribution / active EE | $2,017 | $1,678+20.2% | $2,549-20.9% | $2,552-21.0% |
| Participant deferral / active EE | $4,493 | $3,124+43.8% | $4,614-2.6% | $4,126+8.9% |
| Admin fee / account holder | $6,660 | $4,795+38.9% | $7,673-13.2% | $7,339-9.3% |