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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 | $81,457+38.4% | $103,378+9.0% | $80,911+39.3% |
| Participation rate | 54.4% | 66.8%-12.5pp | 74.5%-20.1pp | 67.6%-13.3pp |
| Annual return | 13.93% | 25.58%-11.6pp | 24.91%-11.0pp | 35.63%-21.7pp |
| Employer contribution / active EE | $4,175 | $3,107+34.4% | $3,870+7.9% | $2,756+51.5% |
| Participant deferral / active EE | $5,020 | $3,871+29.7% | $5,058-0.7% | $4,297+16.8% |
| Admin fee / account holder | $10,564 | $6,717+57.3% | $8,401+25.7% | $6,935+52.3% |