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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 | $104,673 | $60,349+73.4% | $74,184+41.1% | $62,881+66.5% |
| Participation rate | 63.2% | 72.7%-9.6pp | 76.6%-13.5pp | 69.3%-6.1pp |
| Annual return | 8.25% | 21.38%-13.1pp | 17.74%-9.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $2,896 | $1,680+72.3% | $2,370+22.2% | $2,281+26.9% |
| Participant deferral / active EE | $6,759 | $2,856+136.6% | $3,550+90.4% | $3,203+111.0% |
| Admin fee / account holder | $7,761 | $4,261+82.2% | $5,586+38.9% | $4,296+80.7% |