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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 | $63,949+86.5% | $129,031-7.6% | $94,015+26.9% |
| Participation rate | 58.8% | 63.4%-4.6pp | 73.4%-14.5pp | 70.8%-12.0pp |
| Annual return | 23.25% | 17.56%+5.7pp | 34.67%-11.4pp | 17.84%+5.4pp |
| Employer contribution / active EE | $2,017 | $1,865+8.2% | $3,226-37.5% | $2,790-27.7% |
| Participant deferral / active EE | $4,493 | $3,686+21.9% | $5,217-13.9% | $4,249+5.7% |
| Admin fee / account holder | $6,660 | $5,523+20.6% | $13,208-49.6% | $8,951-25.6% |