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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 | $96,622 | $58,627+64.8% | $76,735+25.9% | $82,448+17.2% |
| Participation rate | 55.2% | 63.2%-8.0pp | 69.5%-14.3pp | 68.1%-12.9pp |
| Annual return | 22.24% | 39.10%-16.9pp | 29.77%-7.5pp | 41.64%-19.4pp |
| Employer contribution / active EE | $2,284 | $1,729+32.1% | $2,454-6.9% | $2,551-10.5% |
| Participant deferral / active EE | $4,782 | $3,134+52.6% | $4,088+17.0% | $4,139+15.5% |
| Admin fee / account holder | $16,909 | $5,323+217.7% | $7,189+135.2% | $7,234+133.7% |