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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 | $122,706 | $107,809+13.8% | $97,032+26.5% | $155,188-20.9% |
| Participation rate | 50.0% | 75.5%-25.5pp | 71.6%-21.6pp | 80.8%-30.8pp |
| Annual return | 12.79% | 38.06%-25.3pp | 35.38%-22.6pp | 148.84%-136.1pp |
| Employer contribution / active EE | $1,930 | $2,911-33.7% | $2,629-26.6% | $4,248-54.6% |
| Participant deferral / active EE | $8,997 | $5,129+75.4% | $4,672+92.6% | $6,531+37.8% |
| Admin fee / account holder | $6,397 | $10,717-40.3% | $9,418-32.1% | $14,480-55.8% |