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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 | $132,457 | $97,550+35.8% | $120,344+10.1% | $87,485+51.4% |
| Participation rate | 66.3% | 72.8%-6.5pp | 76.7%-10.4pp | 68.9%-2.6pp |
| Annual return | 13.02% | 18.41%-5.4pp | 20.30%-7.3pp | 26.06%-13.0pp |
| Employer contribution / active EE | $1,598 | $2,291-30.2% | $3,020-47.1% | $2,596-38.4% |
| Participant deferral / active EE | $4,756 | $4,230+12.4% | $5,135-7.4% | $4,274+11.3% |
| Admin fee / account holder | $25,875 | $9,543+171.2% | $12,742+103.1% | $7,775+232.8% |