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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 | $106,553 | $59,440+79.3% | $78,004+36.6% | $82,637+28.9% |
| Participation rate | 59.6% | 62.8%-3.2pp | 69.4%-9.9pp | 68.1%-8.5pp |
| Annual return | 13.96% | 40.24%-26.3pp | 31.07%-17.1pp | 53.51%-39.6pp |
| Employer contribution / active EE | $1,641 | $1,750-6.2% | $2,469-33.5% | $2,552-35.7% |
| Participant deferral / active EE | $3,742 | $3,138+19.2% | $4,092-8.5% | $4,126-9.3% |
| Admin fee / account holder | $9,122 | $5,504+65.7% | $7,578+20.4% | $7,339+24.3% |