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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 | $112,723 | $81,476+38.4% | $102,383+10.1% | $80,925+39.3% |
| Participation rate | 54.4% | 66.8%-12.5pp | 74.5%-20.1pp | 67.7%-13.3pp |
| Annual return | 13.93% | 25.59%-11.7pp | 24.94%-11.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $4,175 | $3,105+34.5% | $3,870+7.9% | $2,756+51.5% |
| Participant deferral / active EE | $5,020 | $3,871+29.7% | $5,060-0.8% | $4,299+16.8% |
| Admin fee / account holder | $10,564 | $6,717+57.3% | $8,391+25.9% | $6,940+52.2% |