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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 | $113,310 | $80,992+39.9% | $96,534+17.4% | $75,173+50.7% |
| Participation rate | 67.9% | 71.8%-3.9pp | 76.0%-8.1pp | 67.2%+0.7pp |
| Annual return | 15.89% | 27.05%-11.2pp | 25.88%-10.0pp | 160.72%-144.8pp |
| Employer contribution / active EE | $3,423 | $2,283+50.0% | $2,965+15.4% | $2,671+28.2% |
| Participant deferral / active EE | $10,999 | $3,929+179.9% | $4,851+126.7% | $4,126+166.5% |
| Admin fee / account holder | $4,805 | $6,717-28.5% | $8,253-41.8% | $5,651-15.0% |