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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 | $67,108 | $86,330-22.3% | $121,871-44.9% | $94,015-28.6% |
| Participation rate | 68.6% | 66.7%+1.9pp | 73.2%-4.6pp | 70.8%-2.2pp |
| Annual return | 13.11% | 14.95%-1.8pp | 13.57%-0.5pp | 17.84%-4.7pp |
| Employer contribution / active EE | $3,888 | $2,292+69.6% | $2,731+42.3% | $2,790+39.3% |
| Participant deferral / active EE | $6,459 | $3,146+105.3% | $4,318+49.6% | $4,249+52.0% |
| Admin fee / account holder | $17,134 | $7,346+133.2% | $11,551+48.3% | $8,951+91.4% |