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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 | $69,444+39.1% | $92,985+3.9% | $87,485+10.4% |
| Participation rate | 55.2% | 63.3%-8.1pp | 69.5%-14.3pp | 68.9%-13.8pp |
| Annual return | 22.24% | 23.85%-1.6pp | 27.99%-5.8pp | 26.06%-3.8pp |
| Employer contribution / active EE | $2,284 | $1,917+19.1% | $2,662-14.2% | $2,596-12.0% |
| Participant deferral / active EE | $4,782 | $3,364+42.1% | $4,377+9.2% | $4,274+11.9% |
| Admin fee / account holder | $16,909 | $6,137+175.5% | $9,463+78.7% | $7,775+117.5% |