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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 | $142,999 | $81,457+75.6% | $103,378+38.3% | $80,911+76.7% |
| Participation rate | 69.4% | 66.8%+2.5pp | 74.5%-5.2pp | 67.6%+1.7pp |
| Annual return | 11.39% | 25.58%-14.2pp | 24.91%-13.5pp | 35.63%-24.2pp |
| Employer contribution / active EE | $3,750 | $3,107+20.7% | $3,870-3.1% | $2,756+36.1% |
| Participant deferral / active EE | $8,793 | $3,871+127.1% | $5,058+73.8% | $4,297+104.6% |
| Admin fee / account holder | $3,354 | $6,717-50.1% | $8,401-60.1% | $6,935-51.6% |