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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 | $105,734 | $41,016+157.8% | $152,093-30.5% | $64,097+65.0% |
| Participation rate | 65.5% | 51.3%+14.1pp | 77.8%-12.3pp | 55.2%+10.3pp |
| Annual return | 19.00% | 39.60%-20.6pp | 66.36%-47.4pp | 34.64%-15.6pp |
| Employer contribution / active EE | $6,072 | $1,342+352.4% | $4,175+45.4% | $1,891+221.0% |
| Participant deferral / active EE | $13,513 | $1,927+601.1% | $5,451+147.9% | $3,080+338.7% |
| Admin fee / account holder | $6,546 | $2,305+184.0% | $14,497-54.8% | $3,454+89.5% |