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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 | $81,403+18.2% | $147,027-34.5% | $87,485+10.0% |
| Participation rate | 69.2% | 63.4%+5.8pp | 73.7%-4.5pp | 68.9%+0.3pp |
| Annual return | 17.91% | 16.51%+1.4pp | 20.23%-2.3pp | 26.06%-8.2pp |
| Employer contribution / active EE | $4,182 | $2,205+89.6% | $3,626+15.3% | $2,596+61.1% |
| Participant deferral / active EE | $7,337 | $3,315+121.3% | $4,933+48.7% | $4,274+71.7% |
| Admin fee / account holder | $2,208 | $6,755-67.3% | $12,223-81.9% | $7,775-71.6% |