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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 | $123,610 | $106,749+15.8% | $145,433-15.0% | $82,448+49.9% |
| Participation rate | 50.7% | 75.6%-25.0pp | 82.1%-31.5pp | 68.1%-17.4pp |
| Annual return | 17.19% | 27.59%-10.4pp | 66.58%-49.4pp | 41.64%-24.5pp |
| Employer contribution / active EE | $2,255 | $3,444-34.5% | $4,554-50.5% | $2,551-11.6% |
| Participant deferral / active EE | $6,059 | $6,519-7.1% | $7,897-23.3% | $4,139+46.4% |
| Admin fee / account holder | $8,225 | $8,390-2.0% | $13,129-37.4% | $7,234+13.7% |