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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 | $114,573 | $99,345+15.3% | $84,753+35.2% | $273,972-58.2% |
| Participation rate | 60.0% | 80.7%-20.7pp | 76.6%-16.6pp | 83.0%-23.0pp |
| Annual return | 7.67% | 22.93%-15.3pp | 22.78%-15.1pp | 41.46%-33.8pp |
| Employer contribution / active EE | $3,209 | $4,214-23.8% | $3,574-10.2% | $4,869-34.1% |
| Participant deferral / active EE | $4,971 | $4,270+16.4% | $3,712+33.9% | $5,287-6.0% |
| Admin fee / account holder | $1,057 | $6,645-84.1% | $5,333-80.2% | $10,133-89.6% |