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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 | $150,362 | $106,524+41.2% | $152,301-1.3% | $87,485+71.9% |
| Participation rate | 60.4% | 75.8%-15.3pp | 82.4%-22.0pp | 68.9%-8.5pp |
| Annual return | 15.31% | 26.89%-11.6pp | 80.50%-65.2pp | 26.06%-10.8pp |
| Employer contribution / active EE | $3,164 | $3,371-6.1% | $4,624-31.6% | $2,596+21.9% |
| Participant deferral / active EE | $8,471 | $6,525+29.8% | $8,004+5.8% | $4,274+98.2% |
| Admin fee / account holder | $18,502 | $8,287+123.3% | $14,398+28.5% | $7,775+138.0% |