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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 | $104,386 | $74,535+40.0% | $100,712+3.6% | $82,637+26.3% |
| Participation rate | 53.2% | 61.2%-8.0pp | 69.3%-16.1pp | 68.1%-14.9pp |
| Annual return | 15.76% | 18.92%-3.2pp | 33.27%-17.5pp | 53.51%-37.8pp |
| Employer contribution / active EE | $1,187 | $1,503-21.0% | $2,313-48.7% | $2,552-53.5% |
| Participant deferral / active EE | $3,011 | $3,074-2.0% | $4,085-26.3% | $4,126-27.0% |
| Admin fee / account holder | $7,656 | $6,576+16.4% | $9,256-17.3% | $7,339+4.3% |