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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 | $106,524+11.8% | $152,301-21.8% | $87,485+36.1% |
| Participation rate | 66.1% | 75.8%-9.7pp | 82.4%-16.4pp | 68.9%-2.9pp |
| Annual return | 16.52% | 26.89%-10.4pp | 80.50%-64.0pp | 26.06%-9.5pp |
| Employer contribution / active EE | $2,657 | $3,371-21.2% | $4,624-42.5% | $2,596+2.3% |
| Participant deferral / active EE | $7,080 | $6,525+8.5% | $8,004-11.5% | $4,274+65.7% |
| Admin fee / account holder | $12,559 | $8,287+51.6% | $14,398-12.8% | $7,775+61.5% |