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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 | $57,119+89.7% | $85,187+27.2% | $80,935+33.9% |
| Participation rate | 57.1% | 56.4%+0.7pp | 67.5%-10.4pp | 67.7%-10.5pp |
| Annual return | 12.91% | 21.70%-8.8pp | 66.67%-53.8pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,974 | $1,802+9.5% | $2,732-27.8% | $2,757-28.4% |
| Participant deferral / active EE | $4,365 | $3,115+40.1% | $4,525-3.5% | $4,299+1.5% |
| Admin fee / account holder | $5,050 | $4,990+1.2% | $6,162-18.0% | $6,924-27.1% |