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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 | $72,838 | $48,050+51.6% | $96,754-24.7% | $64,340+13.2% |
| Participation rate | 61.1% | 40.6%+20.5pp | 70.3%-9.2pp | 55.2%+5.8pp |
| Annual return | 16.50% | 23.41%-6.9pp | 82.04%-65.5pp | 24.14%-7.6pp |
| Employer contribution / active EE | $2,051 | $1,204+70.4% | $2,679-23.4% | $1,862+10.2% |
| Participant deferral / active EE | $3,609 | $2,191+64.7% | $4,758-24.2% | $2,980+21.1% |
| Admin fee / account holder | $4,257 | $3,741+13.8% | $8,905-52.2% | $3,703+15.0% |