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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 | $123,887 | $80,983+53.0% | $96,544+28.3% | $75,177+64.8% |
| Participation rate | 63.3% | 71.8%-8.5pp | 76.0%-12.7pp | 67.2%-3.9pp |
| Annual return | 13.37% | 27.05%-13.7pp | 25.88%-12.5pp | 160.75%-147.4pp |
| Employer contribution / active EE | $2,388 | $2,282+4.6% | $2,966-19.5% | $2,671-10.6% |
| Participant deferral / active EE | $4,783 | $3,929+21.7% | $4,851-1.4% | $4,126+15.9% |
| Admin fee / account holder | $41,464 | $6,717+517.3% | $8,254+402.3% | $5,651+633.7% |