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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 | $121,815 | $95,453+27.6% | $112,040+8.7% | $82,448+47.7% |
| Participation rate | 59.5% | 72.8%-13.3pp | 76.5%-17.0pp | 68.1%-8.6pp |
| Annual return | 17.34% | 23.92%-6.6pp | 24.52%-7.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,421 | $2,318-38.7% | $2,954-51.9% | $2,551-44.3% |
| Participant deferral / active EE | $2,734 | $4,224-35.3% | $5,098-46.4% | $4,139-34.0% |
| Admin fee / account holder | $3,541 | $9,013-60.7% | $12,098-70.7% | $7,234-51.1% |