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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 | $122,484 | $59,839+104.7% | $81,991+49.4% | $79,852+53.4% |
| Participation rate | 68.4% | 61.6%+6.8pp | 69.3%-0.8pp | 69.6%-1.2pp |
| Annual return | 13.62% | 17.56%-3.9pp | 41.31%-27.7pp | 31.72%-18.1pp |
| Employer contribution / active EE | $2,322 | $1,713+35.5% | $2,498-7.1% | $2,471-6.0% |
| Participant deferral / active EE | $4,330 | $2,695+60.6% | $3,722+16.3% | $3,740+15.8% |
| Admin fee / account holder | $18,297 | $4,287+326.8% | $5,665+223.0% | $5,306+244.8% |