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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 | $83,104 | $97,648-14.9% | $121,663-31.7% | $87,485-5.0% |
| Participation rate | 58.1% | 70.5%-12.4pp | 74.5%-16.4pp | 68.9%-10.9pp |
| Annual return | 17.03% | 18.03%-1.0pp | 147.54%-130.5pp | 26.06%-9.0pp |
| Employer contribution / active EE | $2,551 | $2,300+10.9% | $3,020-15.5% | $2,596-1.8% |
| Participant deferral / active EE | $6,030 | $3,923+53.7% | $4,887+23.4% | $4,274+41.1% |
| Admin fee / account holder | $13,072 | $11,100+17.8% | $14,289-8.5% | $7,775+68.1% |