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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 | $126,665 | $184,014-31.2% | $161,149-21.4% | $138,895-8.8% |
| Participation rate | 53.8% | 82.1%-28.2pp | 78.8%-25.0pp | 79.9%-26.1pp |
| Annual return | 15.28% | 21.52%-6.2pp | 21.16%-5.9pp | 145.39%-130.1pp |
| Employer contribution / active EE | $3,600 | $5,055-28.8% | $4,360-17.4% | $4,194-14.2% |
| Participant deferral / active EE | $8,110 | $6,909+17.4% | $6,153+31.8% | $6,396+26.8% |
| Admin fee / account holder | $25,027 | $18,027+38.8% | $15,194+64.7% | $12,562+99.2% |