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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 | $105,048 | $76,551+37.2% | $123,894-15.2% | $62,881+67.1% |
| Participation rate | 65.2% | 73.0%-7.8pp | 81.4%-16.2pp | 69.3%-4.1pp |
| Annual return | 7.04% | 18.68%-11.6pp | 47.52%-40.5pp | 20.14%-13.1pp |
| Employer contribution / active EE | $1,425 | $2,882-50.6% | $4,617-69.1% | $2,281-37.5% |
| Participant deferral / active EE | $8,854 | $4,840+82.9% | $5,984+48.0% | $3,203+176.4% |
| Admin fee / account holder | $4,102 | $4,826-15.0% | $8,357-50.9% | $4,296-4.5% |