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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 | $107,219 | $81,504+31.6% | $102,437+4.7% | $80,959+32.4% |
| Participation rate | 39.5% | 66.9%-27.3pp | 74.5%-35.0pp | 67.7%-28.1pp |
| Annual return | 13.40% | 25.60%-12.2pp | 24.95%-11.5pp | 35.67%-22.3pp |
| Employer contribution / active EE | $2,532 | $3,104-18.4% | $3,871-34.6% | $2,757-8.2% |
| Participant deferral / active EE | $4,138 | $3,871+6.9% | $5,060-18.2% | $4,300-3.8% |
| Admin fee / account holder | $5,614 | $6,719-16.5% | $8,388-33.1% | $6,925-18.9% |