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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 | $139,540 | $124,425+12.1% | $112,040+24.5% | $137,256+1.7% |
| Participation rate | 68.8% | 79.3%-10.6pp | 76.5%-7.7pp | 80.0%-11.2pp |
| Annual return | 16.48% | 24.72%-8.2pp | 24.52%-8.0pp | 220.34%-203.9pp |
| Employer contribution / active EE | $2,198 | $3,411-35.6% | $2,954-25.6% | $4,156-47.1% |
| Participant deferral / active EE | $3,974 | $5,718-30.5% | $5,098-22.0% | $6,407-38.0% |
| Admin fee / account holder | $2,340 | $15,207-84.6% | $12,098-80.7% | $12,270-80.9% |