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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 | $123,103 | $110,212+11.7% | $96,534+27.5% | $139,466-11.7% |
| Participation rate | 62.5% | 78.1%-15.6pp | 76.0%-13.5pp | 80.3%-17.8pp |
| Annual return | 17.55% | 26.42%-8.9pp | 25.88%-8.3pp | 373.66%-356.1pp |
| Employer contribution / active EE | $1,665 | $3,620-54.0% | $2,965-43.8% | $4,754-65.0% |
| Participant deferral / active EE | $2,992 | $5,547-46.1% | $4,851-38.3% | $6,712-55.4% |
| Admin fee / account holder | $877 | $11,599-92.4% | $8,253-89.4% | $11,409-92.3% |