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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 | $74,678 | $57,140+30.7% | $85,240-12.4% | $80,959-7.8% |
| Participation rate | 68.9% | 56.4%+12.5pp | 67.5%+1.4pp | 67.7%+1.2pp |
| Annual return | 12.77% | 21.71%-8.9pp | 66.75%-54.0pp | 35.67%-22.9pp |
| Employer contribution / active EE | $4,336 | $1,802+140.6% | $2,735+58.5% | $2,757+57.3% |
| Participant deferral / active EE | $11,669 | $3,115+274.6% | $4,527+157.8% | $4,300+171.3% |
| Admin fee / account holder | $30,711 | $4,992+515.2% | $6,165+398.2% | $6,925+343.5% |