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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 | $123,096 | $182,442-32.5% | $163,379-24.7% | $138,895-11.4% |
| Participation rate | 45.5% | 79.8%-34.3pp | 76.8%-31.4pp | 79.9%-34.5pp |
| Annual return | 12.94% | 72.74%-59.8pp | 63.41%-50.5pp | 145.39%-132.4pp |
| Employer contribution / active EE | $2,293 | $4,159-44.9% | $3,752-38.9% | $4,194-45.3% |
| Participant deferral / active EE | $7,441 | $6,817+9.1% | $6,282+18.4% | $6,396+16.3% |
| Admin fee / account holder | $18,992 | $10,396+82.7% | $9,818+93.4% | $12,562+51.2% |