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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 | $95,580 | $65,364+46.2% | $92,909+2.9% | $72,975+31.0% |
| Participation rate | 52.7% | 68.3%-15.6pp | 76.0%-23.3pp | 69.5%-16.8pp |
| Annual return | 21.31% | 42.11%-20.8pp | 109.44%-88.1pp | 81.01%-59.7pp |
| Employer contribution / active EE | $6,086 | $2,594+134.6% | $3,653+66.6% | $2,440+149.4% |
| Participant deferral / active EE | $3,148 | $3,128+0.6% | $4,238-25.7% | $3,608-12.7% |
| Admin fee / account holder | $8,055 | $4,251+89.5% | $5,795+39.0% | $5,124+57.2% |