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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 | $96,703 | $63,773+51.6% | $81,286+19.0% | $80,925+19.5% |
| Participation rate | 65.4% | 63.9%+1.5pp | 69.5%-4.1pp | 67.7%-2.3pp |
| Annual return | 14.25% | 16.37%-2.1pp | 24.80%-10.5pp | 35.65%-21.4pp |
| Employer contribution / active EE | $3,897 | $1,979+96.9% | $2,463+58.2% | $2,756+41.4% |
| Participant deferral / active EE | $4,932 | $3,093+59.4% | $3,883+27.0% | $4,299+14.7% |
| Admin fee / account holder | $9,514 | $5,682+67.4% | $5,764+65.1% | $6,940+37.1% |