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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 | $119,181 | $52,279+128.0% | $89,414+33.3% | $79,852+49.3% |
| Participation rate | 65.5% | 57.5%+8.0pp | 68.0%-2.5pp | 69.6%-4.1pp |
| Annual return | 16.73% | 22.16%-5.4pp | 245.50%-228.8pp | 31.72%-15.0pp |
| Employer contribution / active EE | $3,270 | $1,572+108.1% | $2,586+26.4% | $2,471+32.3% |
| Participant deferral / active EE | $4,391 | $2,740+60.2% | $3,890+12.9% | $3,740+17.4% |
| Admin fee / account holder | $2,973 | $3,356-11.4% | $4,883-39.1% | $5,306-44.0% |