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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 | $117,733 | $71,230+65.3% | $93,727+25.6% | $80,959+45.4% |
| Participation rate | 48.3% | 60.4%-12.1pp | 68.7%-20.4pp | 67.7%-19.4pp |
| Annual return | 13.72% | 11.26%+2.5pp | 133.83%-120.1pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,129 | $1,565-27.9% | $2,421-53.4% | $2,757-59.1% |
| Participant deferral / active EE | $4,749 | $4,037+17.6% | $4,417+7.5% | $4,300+10.4% |
| Admin fee / account holder | $9,856 | $6,961+41.6% | $8,292+18.9% | $6,925+42.3% |