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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 | $96,231 | $87,180+10.4% | $173,703-44.6% | $94,015+2.4% |
| Participation rate | 69.2% | 65.6%+3.6pp | 75.9%-6.7pp | 70.8%-1.6pp |
| Annual return | 17.91% | 14.17%+3.7pp | 17.46%+0.5pp | 17.84%+0.1pp |
| Employer contribution / active EE | $4,182 | $2,494+67.7% | $4,288-2.5% | $2,790+49.9% |
| Participant deferral / active EE | $7,337 | $3,343+119.5% | $4,854+51.1% | $4,249+72.7% |
| Admin fee / account holder | $2,208 | $7,506-70.6% | $15,562-85.8% | $8,951-75.3% |