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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 | $123,827 | $147,556-16.1% | $129,031-4.0% | $198,609-37.7% |
| Participation rate | 53.8% | 77.2%-23.4pp | 73.4%-19.5pp | 82.4%-28.5pp |
| Annual return | 4.12% | 37.41%-33.3pp | 34.67%-30.5pp | 202.70%-198.6pp |
| Employer contribution / active EE | $2,231 | $3,645-38.8% | $3,226-30.9% | $5,055-55.9% |
| Participant deferral / active EE | $4,353 | $5,760-24.4% | $5,217-16.6% | $6,977-37.6% |
| Admin fee / account holder | $22,544 | $15,467+45.8% | $13,208+70.7% | $19,030+18.5% |