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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 | $126,915 | $94,031+35.0% | $115,768+9.6% | $82,448+53.9% |
| Participation rate | 69.1% | 70.4%-1.3pp | 74.4%-5.3pp | 68.1%+1.1pp |
| Annual return | 16.48% | 20.61%-4.1pp | 100.46%-84.0pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,935 | $2,323+26.3% | $2,940-0.2% | $2,551+15.1% |
| Participant deferral / active EE | $5,804 | $3,972+46.1% | $4,917+18.0% | $4,139+40.2% |
| Admin fee / account holder | $6,512 | $10,249-36.5% | $12,439-47.6% | $7,234-10.0% |