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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 | $123,997 | $106,864+16.0% | $147,318-15.8% | $82,637+50.0% |
| Participation rate | 56.3% | 75.5%-19.3pp | 82.1%-25.8pp | 68.1%-11.8pp |
| Annual return | 15.79% | 27.49%-11.7pp | 70.43%-54.6pp | 53.51%-37.7pp |
| Employer contribution / active EE | $2,184 | $3,417-36.1% | $4,593-52.5% | $2,552-14.4% |
| Participant deferral / active EE | $4,619 | $6,496-28.9% | $7,906-41.6% | $4,126+12.0% |
| Admin fee / account holder | $3,313 | $8,415-60.6% | $13,708-75.8% | $7,339-54.9% |