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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 | $114,346 | $106,749+7.1% | $145,433-21.4% | $82,448+38.7% |
| Participation rate | 59.6% | 75.6%-16.0pp | 82.1%-22.5pp | 68.1%-8.4pp |
| Annual return | 17.95% | 27.59%-9.6pp | 66.58%-48.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,177 | $3,444-65.8% | $4,554-74.1% | $2,551-53.8% |
| Participant deferral / active EE | $10,928 | $6,519+67.6% | $7,897+38.4% | $4,139+164.0% |
| Admin fee / account holder | $30,445 | $8,390+262.9% | $13,129+131.9% | $7,234+320.8% |