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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 | $99,140 | $58,851+68.5% | $115,170-13.9% | $72,983+35.8% |
| Participation rate | 58.0% | 65.5%-7.5pp | 75.9%-17.9pp | 69.5%-11.5pp |
| Annual return | 26.22% | 23.16%+3.1pp | 35.60%-9.4pp | 81.01%-54.8pp |
| Employer contribution / active EE | $2,162 | $1,798+20.2% | $3,179-32.0% | $2,440-11.4% |
| Participant deferral / active EE | $4,370 | $2,643+65.4% | $4,169+4.8% | $3,608+21.1% |
| Admin fee / account holder | $456 | $6,370-92.8% | $7,089-93.6% | $5,124-91.1% |