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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 | $81,504+38.3% | $102,437+10.0% | $80,959+39.2% |
| Participation rate | 54.4% | 66.9%-12.5pp | 74.5%-20.1pp | 67.7%-13.3pp |
| Annual return | 13.93% | 25.60%-11.7pp | 24.95%-11.0pp | 35.67%-21.7pp |
| Employer contribution / active EE | $4,175 | $3,104+34.5% | $3,871+7.9% | $2,757+51.4% |
| Participant deferral / active EE | $5,020 | $3,871+29.7% | $5,060-0.8% | $4,300+16.7% |
| Admin fee / account holder | $10,564 | $6,719+57.2% | $8,388+25.9% | $6,925+52.5% |