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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 | $64,010+82.3% | $108,359+7.7% | $64,340+81.4% |
| Participation rate | 52.9% | 49.4%+3.6pp | 70.1%-17.2pp | 55.2%-2.3pp |
| Annual return | 18.87% | 19.74%-0.9pp | 36.89%-18.0pp | 24.14%-5.3pp |
| Employer contribution / active EE | $2,419 | $1,029+135.2% | $2,399+0.8% | $1,862+29.9% |
| Participant deferral / active EE | $4,652 | $2,395+94.2% | $4,137+12.5% | $2,980+56.1% |
| Admin fee / account holder | $7,858 | $4,885+60.9% | $9,741-19.3% | $3,703+112.2% |