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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 | $72,471+33.3% | $94,215+2.6% | $86,983+11.1% |
| Participation rate | 55.2% | 63.9%-8.7pp | 70.0%-14.8pp | 69.5%-14.4pp |
| Annual return | 22.24% | 26.44%-4.2pp | 28.22%-6.0pp | 25.83%-3.6pp |
| Employer contribution / active EE | $2,284 | $1,936+18.0% | $2,675-14.6% | $2,584-11.6% |
| Participant deferral / active EE | $4,782 | $3,397+40.8% | $4,276+11.8% | $4,194+14.0% |
| Admin fee / account holder | $16,909 | $6,468+161.4% | $10,216+65.5% | $7,856+115.2% |