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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 | $109,484 | $106,524+2.8% | $152,301-28.1% | $87,485+25.1% |
| Participation rate | 60.3% | 75.8%-15.4pp | 82.4%-22.1pp | 68.9%-8.6pp |
| Annual return | 16.28% | 26.89%-10.6pp | 80.50%-64.2pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,542 | $3,371-54.3% | $4,624-66.7% | $2,596-40.6% |
| Participant deferral / active EE | $8,611 | $6,525+32.0% | $8,004+7.6% | $4,274+101.5% |
| Admin fee / account holder | $9,540 | $8,287+15.1% | $14,398-33.7% | $7,775+22.7% |