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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 | $103,823 | $92,811+11.9% | $238,191-56.4% | $86,983+19.4% |
| Participation rate | 45.9% | 69.3%-23.4pp | 77.1%-31.2pp | 69.5%-23.6pp |
| Annual return | 15.15% | 16.16%-1.0pp | 13.02%+2.1pp | 25.83%-10.7pp |
| Employer contribution / active EE | $2,427 | $2,728-11.0% | $5,082-52.2% | $2,584-6.1% |
| Participant deferral / active EE | $2,958 | $4,479-34.0% | $6,726-56.0% | $4,194-29.5% |
| Admin fee / account holder | $19,410 | $9,177+111.5% | $34,582-43.9% | $7,856+147.1% |