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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 | $100,194+32.2% | $122,979+7.7% | $86,983+52.3% |
| Participation rate | 66.3% | 73.0%-6.7pp | 77.2%-10.9pp | 69.5%-3.2pp |
| Annual return | 13.02% | 16.47%-3.5pp | 20.12%-7.1pp | 25.83%-12.8pp |
| Employer contribution / active EE | $1,598 | $2,326-31.3% | $3,062-47.8% | $2,584-38.2% |
| Participant deferral / active EE | $4,756 | $4,133+15.1% | $5,003-4.9% | $4,194+13.4% |
| Admin fee / account holder | $25,875 | $10,148+155.0% | $12,864+101.1% | $7,856+229.4% |