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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 | $112,930 | $107,809+4.7% | $97,032+16.4% | $155,188-27.2% |
| Participation rate | 30.0% | 75.5%-45.5pp | 71.6%-41.6pp | 80.8%-50.8pp |
| Annual return | 14.89% | 38.06%-23.2pp | 35.38%-20.5pp | 148.84%-133.9pp |
| Employer contribution / active EE | $1,422 | $2,911-51.1% | $2,629-45.9% | $4,248-66.5% |
| Participant deferral / active EE | $2,625 | $5,129-48.8% | $4,672-43.8% | $6,531-59.8% |
| Admin fee / account holder | $15,399 | $10,717+43.7% | $9,418+63.5% | $14,480+6.3% |