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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 | $125,729 | $64,010+96.4% | $108,359+16.0% | $64,340+95.4% |
| Participation rate | 55.8% | 49.4%+6.4pp | 70.1%-14.4pp | 55.2%+0.5pp |
| Annual return | 14.21% | 19.74%-5.5pp | 36.89%-22.7pp | 24.14%-9.9pp |
| Employer contribution / active EE | $1,071 | $1,029+4.1% | $2,399-55.4% | $1,862-42.5% |
| Participant deferral / active EE | $4,396 | $2,395+83.5% | $4,137+6.3% | $2,980+47.5% |
| Admin fee / account holder | $7,753 | $4,885+58.7% | $9,741-20.4% | $3,703+109.4% |