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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 | $102,836 | $54,297+89.4% | $97,032+6.0% | $65,306+57.5% |
| Participation rate | 60.4% | 42.3%+18.0pp | 71.6%-11.2pp | 57.7%+2.7pp |
| Annual return | 17.79% | 21.17%-3.4pp | 35.38%-17.6pp | 21.94%-4.1pp |
| Employer contribution / active EE | $2,541 | $1,365+86.2% | $2,629-3.3% | $1,967+29.2% |
| Participant deferral / active EE | $4,535 | $2,259+100.8% | $4,672-2.9% | $2,959+53.2% |
| Admin fee / account holder | $3,231 | $3,744-13.7% | $9,418-65.7% | $3,480-7.2% |