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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 | $123,773 | $81,487+51.9% | $102,412+20.9% | $80,935+52.9% |
| Participation rate | 43.8% | 66.8%-23.1pp | 74.5%-30.8pp | 67.7%-23.9pp |
| Annual return | 14.88% | 25.60%-10.7pp | 24.94%-10.1pp | 35.66%-20.8pp |
| Employer contribution / active EE | $3,094 | $3,103-0.3% | $3,870-20.0% | $2,757+12.2% |
| Participant deferral / active EE | $5,221 | $3,871+34.9% | $5,060+3.2% | $4,299+21.4% |
| Admin fee / account holder | $16,669 | $6,717+148.1% | $8,388+98.7% | $6,924+140.7% |