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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 | $93,032 | $57,590+61.5% | $86,233+7.9% | $82,448+12.8% |
| Participation rate | 53.1% | 57.9%-4.7pp | 69.0%-15.9pp | 68.1%-14.9pp |
| Annual return | 14.09% | 22.41%-8.3pp | 61.39%-47.3pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,707 | $1,655+3.1% | $2,504-31.9% | $2,551-33.1% |
| Participant deferral / active EE | $4,461 | $3,080+44.8% | $4,559-2.2% | $4,139+7.8% |
| Admin fee / account holder | $22,699 | $4,730+379.9% | $8,342+172.1% | $7,234+213.8% |