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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 | $120,310 | $93,345+28.9% | $119,126+1.0% | $87,485+37.5% |
| Participation rate | 45.8% | 68.7%-22.9pp | 75.8%-29.9pp | 68.9%-23.1pp |
| Annual return | 17.33% | 19.08%-1.8pp | 282.11%-264.8pp | 26.06%-8.7pp |
| Employer contribution / active EE | $2,274 | $3,172-28.3% | $4,034-43.6% | $2,596-12.4% |
| Participant deferral / active EE | $5,084 | $4,099+24.0% | $5,318-4.4% | $4,274+19.0% |
| Admin fee / account holder | $9,257 | $8,039+15.2% | $10,693-13.4% | $7,775+19.1% |