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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 | $105,918 | $75,720+39.9% | $90,312+17.3% | $86,983+21.8% |
| Participation rate | 52.1% | 66.3%-14.2pp | 72.9%-20.8pp | 69.5%-17.5pp |
| Annual return | 21.05% | 18.55%+2.5pp | 18.90%+2.2pp | 25.83%-4.8pp |
| Employer contribution / active EE | $2,281 | $1,945+17.2% | $2,243+1.7% | $2,584-11.8% |
| Participant deferral / active EE | $4,709 | $3,001+56.9% | $3,749+25.6% | $4,194+12.3% |
| Admin fee / account holder | $5,934 | $6,201-4.3% | $8,248-28.1% | $7,856-24.5% |