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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 | $122,406 | $181,896-32.7% | $156,551-21.8% | $273,972-55.3% |
| Participation rate | 62.5% | 88.4%-25.9pp | 84.0%-21.5pp | 83.0%-20.5pp |
| Annual return | 6.33% | 30.74%-24.4pp | 32.23%-25.9pp | 41.46%-35.1pp |
| Employer contribution / active EE | $1,638 | $6,248-73.8% | $5,501-70.2% | $4,869-66.4% |
| Participant deferral / active EE | $4,940 | $5,550-11.0% | $4,871+1.4% | $5,287-6.6% |
| Admin fee / account holder | $1,395 | $15,560-91.0% | $13,028-89.3% | $10,133-86.2% |