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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 | $115,931+3.4% | $185,441-35.3% | $86,983+37.9% |
| Participation rate | 57.7% | 73.6%-15.9pp | 80.3%-22.6pp | 69.5%-11.8pp |
| Annual return | 13.16% | 21.47%-8.3pp | 20.16%-7.0pp | 25.83%-12.7pp |
| Employer contribution / active EE | $864 | $2,937-70.6% | $4,672-81.5% | $2,584-66.6% |
| Participant deferral / active EE | $3,531 | $4,551-22.4% | $6,152-42.6% | $4,194-15.8% |
| Admin fee / account holder | $15,659 | $10,687+46.5% | $17,890-12.5% | $7,856+99.3% |