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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 | $124,144 | $60,349+105.7% | $74,184+67.3% | $62,881+97.4% |
| Participation rate | 66.7% | 72.7%-6.1pp | 76.6%-10.0pp | 69.3%-2.6pp |
| Annual return | 5.93% | 21.38%-15.4pp | 17.74%-11.8pp | 20.14%-14.2pp |
| Employer contribution / active EE | $1,118 | $1,680-33.5% | $2,370-52.9% | $2,281-51.0% |
| Participant deferral / active EE | $4,625 | $2,856+61.9% | $3,550+30.3% | $3,203+44.4% |
| Admin fee / account holder | $17,847 | $4,261+318.9% | $5,586+219.5% | $4,296+315.5% |