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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 | $107,537 | $106,749+0.7% | $145,433-26.1% | $82,448+30.4% |
| Participation rate | 41.2% | 75.6%-34.5pp | 82.1%-40.9pp | 68.1%-26.9pp |
| Annual return | 16.46% | 27.59%-11.1pp | 66.58%-50.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,500 | $3,444-27.4% | $4,554-45.1% | $2,551-2.0% |
| Participant deferral / active EE | $4,503 | $6,519-30.9% | $7,897-43.0% | $4,139+8.8% |
| Admin fee / account holder | $5,262 | $8,390-37.3% | $13,129-59.9% | $7,234-27.3% |