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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 | $116,719 | $65,246+78.9% | $98,716+18.2% | $67,986+71.7% |
| Participation rate | 52.9% | 51.4%+1.5pp | 69.3%-16.4pp | 57.2%-4.3pp |
| Annual return | 18.87% | 20.58%-1.7pp | 31.81%-12.9pp | 31.67%-12.8pp |
| Employer contribution / active EE | $2,419 | $1,042+132.2% | $2,279+6.2% | $2,019+19.8% |
| Participant deferral / active EE | $4,652 | $2,594+79.3% | $4,048+14.9% | $3,358+38.5% |
| Admin fee / account holder | $7,858 | $4,561+72.3% | $8,703-9.7% | $3,203+145.3% |