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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 | $108,375 | $57,061+89.9% | $85,063+27.4% | $80,911+33.9% |
| Participation rate | 57.1% | 56.3%+0.8pp | 67.5%-10.4pp | 67.6%-10.5pp |
| Annual return | 12.91% | 21.66%-8.8pp | 66.54%-53.6pp | 35.63%-22.7pp |
| Employer contribution / active EE | $1,974 | $1,799+9.7% | $2,727-27.6% | $2,756-28.4% |
| Participant deferral / active EE | $4,365 | $3,110+40.3% | $4,523-3.5% | $4,297+1.6% |
| Admin fee / account holder | $5,050 | $4,986+1.3% | $6,155-18.0% | $6,935-27.2% |