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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 | $109,274 | $86,940+25.7% | $102,434+6.7% | $80,935+35.0% |
| Participation rate | 56.3% | 72.4%-16.1pp | 76.5%-20.3pp | 67.7%-11.4pp |
| Annual return | 12.03% | 18.89%-6.9pp | 29.46%-17.4pp | 35.66%-23.6pp |
| Employer contribution / active EE | $1,177 | $2,370-50.3% | $3,023-61.1% | $2,757-57.3% |
| Participant deferral / active EE | $2,577 | $4,121-37.5% | $5,055-49.0% | $4,299-40.1% |
| Admin fee / account holder | $4,533 | $8,047-43.7% | $9,462-52.1% | $6,924-34.5% |