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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 | $62,044 | $52,279+18.7% | $89,414-30.6% | $79,852-22.3% |
| Participation rate | 69.2% | 57.5%+11.7pp | 68.0%+1.2pp | 69.6%-0.4pp |
| Annual return | 13.98% | 22.16%-8.2pp | 245.50%-231.5pp | 31.72%-17.7pp |
| Employer contribution / active EE | $4,148 | $1,572+163.9% | $2,586+60.4% | $2,471+67.9% |
| Participant deferral / active EE | $4,076 | $2,740+48.7% | $3,890+4.8% | $3,740+9.0% |
| Admin fee / account holder | $3,414 | $3,356+1.7% | $4,883-30.1% | $5,306-35.7% |