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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 | $119,055 | $106,749+11.5% | $145,433-18.1% | $82,448+44.4% |
| Participation rate | 66.1% | 75.6%-9.6pp | 82.1%-16.0pp | 68.1%-2.0pp |
| Annual return | 16.52% | 27.59%-11.1pp | 66.58%-50.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,657 | $3,444-22.9% | $4,554-41.7% | $2,551+4.2% |
| Participant deferral / active EE | $7,080 | $6,519+8.6% | $7,897-10.3% | $4,139+71.1% |
| Admin fee / account holder | $12,559 | $8,390+49.7% | $13,129-4.3% | $7,234+73.6% |