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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 | $115,889 | $86,940+33.3% | $102,434+13.1% | $80,935+43.2% |
| Participation rate | 58.6% | 72.4%-13.8pp | 76.5%-17.9pp | 67.7%-9.0pp |
| Annual return | 14.14% | 18.89%-4.7pp | 29.46%-15.3pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,955 | $2,370-17.5% | $3,023-35.3% | $2,757-29.1% |
| Participant deferral / active EE | $6,161 | $4,121+49.5% | $5,055+21.9% | $4,299+43.3% |
| Admin fee / account holder | $4,431 | $8,047-44.9% | $9,462-53.2% | $6,924-36.0% |