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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 | $115,509 | $95,453+21.0% | $112,040+3.1% | $82,448+40.1% |
| Participation rate | 61.3% | 72.8%-11.5pp | 76.5%-15.2pp | 68.1%-6.8pp |
| Annual return | 16.90% | 23.92%-7.0pp | 24.52%-7.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,239 | $2,318-46.5% | $2,954-58.1% | $2,551-51.4% |
| Participant deferral / active EE | $3,898 | $4,224-7.7% | $5,098-23.5% | $4,139-5.8% |
| Admin fee / account holder | $16,989 | $9,013+88.5% | $12,098+40.4% | $7,234+134.8% |