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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 | $95,442 | $76,834+24.2% | $108,359-11.9% | $87,485+9.1% |
| Participation rate | 66.2% | 61.7%+4.5pp | 70.1%-3.9pp | 68.9%-2.7pp |
| Annual return | 25.91% | 19.09%+6.8pp | 36.89%-11.0pp | 26.06%-0.1pp |
| Employer contribution / active EE | $2,390 | $1,556+53.6% | $2,399-0.4% | $2,596-7.9% |
| Participant deferral / active EE | $4,370 | $3,100+41.0% | $4,137+5.6% | $4,274+2.3% |
| Admin fee / account holder | $12,478 | $6,537+90.9% | $9,741+28.1% | $7,775+60.5% |