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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 | $132,864 | $60,442+119.8% | $96,754+37.3% | $87,485+51.9% |
| Participation rate | 66.7% | 58.7%+8.0pp | 70.3%-3.6pp | 68.9%-2.3pp |
| Annual return | 14.48% | 21.97%-7.5pp | 82.04%-67.6pp | 26.06%-11.6pp |
| Employer contribution / active EE | $3,077 | $1,691+82.0% | $2,679+14.9% | $2,596+18.5% |
| Participant deferral / active EE | $6,545 | $3,280+99.5% | $4,758+37.6% | $4,274+53.1% |
| Admin fee / account holder | $21,945 | $5,069+332.9% | $8,905+146.4% | $7,775+182.3% |