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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 | $119,920 | $114,712+4.5% | $173,730-31.0% | $87,485+37.1% |
| Participation rate | 57.7% | 73.0%-15.3pp | 79.6%-21.9pp | 68.9%-11.2pp |
| Annual return | 13.16% | 20.18%-7.0pp | 19.96%-6.8pp | 26.06%-12.9pp |
| Employer contribution / active EE | $864 | $2,904-70.2% | $4,577-81.1% | $2,596-66.7% |
| Participant deferral / active EE | $3,531 | $4,642-23.9% | $6,326-44.2% | $4,274-17.4% |
| Admin fee / account holder | $15,659 | $10,210+53.4% | $17,523-10.6% | $7,775+101.4% |