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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 | $114,630 | $86,940+31.8% | $102,434+11.9% | $80,935+41.6% |
| Participation rate | 47.4% | 72.4%-25.0pp | 76.5%-29.1pp | 67.7%-20.3pp |
| Annual return | 11.97% | 18.89%-6.9pp | 29.46%-17.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $2,589 | $2,370+9.3% | $3,023-14.3% | $2,757-6.1% |
| Participant deferral / active EE | $3,710 | $4,121-10.0% | $5,055-26.6% | $4,299-13.7% |
| Admin fee / account holder | $33,688 | $8,047+318.6% | $9,462+256.0% | $6,924+386.5% |