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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 | $89,705 | $79,961+12.2% | $98,462-8.9% | $75,177+19.3% |
| Participation rate | 69.6% | 70.4%-0.7pp | 75.2%-5.5pp | 67.2%+2.4pp |
| Annual return | 18.54% | 19.75%-1.2pp | 21.17%-2.6pp | 160.75%-142.2pp |
| Employer contribution / active EE | $3,155 | $2,264+39.3% | $3,049+3.5% | $2,671+18.1% |
| Participant deferral / active EE | $5,832 | $3,753+55.4% | $4,738+23.1% | $4,126+41.3% |
| Admin fee / account holder | $6,106 | $6,842-10.8% | $8,875-31.2% | $5,651+8.0% |