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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 | $133,799 | $76,834+74.1% | $108,359+23.5% | $87,485+52.9% |
| Participation rate | 67.3% | 61.7%+5.6pp | 70.1%-2.8pp | 68.9%-1.6pp |
| Annual return | 18.48% | 19.09%-0.6pp | 36.89%-18.4pp | 26.06%-7.6pp |
| Employer contribution / active EE | $2,047 | $1,556+31.6% | $2,399-14.7% | $2,596-21.1% |
| Participant deferral / active EE | $6,391 | $3,100+106.2% | $4,137+54.5% | $4,274+49.6% |
| Admin fee / account holder | $13,425 | $6,537+105.4% | $9,741+37.8% | $7,775+72.7% |