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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 | $138,327 | $63,809+116.8% | $81,353+70.0% | $80,935+70.9% |
| Participation rate | 58.8% | 63.9%-5.1pp | 69.5%-10.7pp | 67.7%-8.8pp |
| Annual return | 13.01% | 16.37%-3.4pp | 24.82%-11.8pp | 35.66%-22.7pp |
| Employer contribution / active EE | $2,302 | $1,981+16.2% | $2,464-6.6% | $2,757-16.5% |
| Participant deferral / active EE | $4,078 | $3,093+31.9% | $3,885+5.0% | $4,299-5.1% |
| Admin fee / account holder | $33,627 | $5,686+491.4% | $5,766+483.2% | $6,924+385.6% |