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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 | $77,477 | $57,057+35.8% | $85,009-8.9% | $80,874-4.2% |
| Participation rate | 64.5% | 56.4%+8.2pp | 67.5%-3.0pp | 67.6%-3.1pp |
| Annual return | 20.19% | 21.66%-1.5pp | 66.47%-46.3pp | 35.62%-15.4pp |
| Employer contribution / active EE | $3,162 | $1,799+75.8% | $2,728+15.9% | $2,756+14.8% |
| Participant deferral / active EE | $6,390 | $3,112+105.4% | $4,522+41.3% | $4,297+48.7% |
| Admin fee / account holder | $5,918 | $4,986+18.7% | $6,153-3.8% | $6,935-14.7% |