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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 | $77,896+23.5% | $134,172-28.3% | $82,448+16.7% |
| Participation rate | 69.2% | 62.8%+6.4pp | 72.5%-3.2pp | 68.1%+1.2pp |
| Annual return | 17.91% | 18.21%-0.3pp | 25.30%-7.4pp | 41.64%-23.7pp |
| Employer contribution / active EE | $4,182 | $2,159+93.7% | $3,420+22.3% | $2,551+63.9% |
| Participant deferral / active EE | $7,337 | $3,162+132.0% | $4,690+56.4% | $4,139+77.2% |
| Admin fee / account holder | $2,208 | $6,336-65.2% | $12,016-81.6% | $7,234-69.5% |