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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 | $103,798 | $87,465+18.7% | $122,979-15.6% | $65,306+58.9% |
| Participation rate | 57.4% | 66.0%-8.6pp | 77.2%-19.8pp | 57.7%-0.2pp |
| Annual return | 13.70% | 19.76%-6.1pp | 20.12%-6.4pp | 21.94%-8.2pp |
| Employer contribution / active EE | $1,544 | $2,156-28.4% | $3,062-49.6% | $1,967-21.5% |
| Participant deferral / active EE | $4,411 | $3,705+19.0% | $5,003-11.8% | $2,959+49.1% |
| Admin fee / account holder | $17,979 | $5,100+252.5% | $12,864+39.8% | $3,480+416.7% |