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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 | $106,749+2.6% | $145,433-24.7% | $82,448+32.8% |
| Participation rate | 60.3% | 75.6%-15.3pp | 82.1%-21.8pp | 68.1%-7.8pp |
| Annual return | 16.28% | 27.59%-11.3pp | 66.58%-50.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,542 | $3,444-55.2% | $4,554-66.1% | $2,551-39.6% |
| Participant deferral / active EE | $8,611 | $6,519+32.1% | $7,897+9.0% | $4,139+108.0% |
| Admin fee / account holder | $9,540 | $8,390+13.7% | $13,129-27.3% | $7,234+31.9% |