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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 | $96,090 | $71,230+34.9% | $93,727+2.5% | $80,959+18.7% |
| Participation rate | 62.8% | 60.4%+2.4pp | 68.7%-5.9pp | 67.7%-4.9pp |
| Annual return | 13.37% | 11.26%+2.1pp | 133.83%-120.5pp | 35.67%-22.3pp |
| Employer contribution / active EE | $762 | $1,565-51.3% | $2,421-68.5% | $2,757-72.3% |
| Participant deferral / active EE | $4,267 | $4,037+5.7% | $4,417-3.4% | $4,300-0.8% |
| Admin fee / account holder | $10,047 | $6,961+44.3% | $8,292+21.2% | $6,925+45.1% |