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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 | $111,838 | $95,453+17.2% | $112,040-0.2% | $82,448+35.6% |
| Participation rate | 58.7% | 72.8%-14.1pp | 76.5%-17.8pp | 68.1%-9.4pp |
| Annual return | 14.68% | 23.92%-9.2pp | 24.52%-9.8pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,765 | $2,318-23.8% | $2,954-40.2% | $2,551-30.8% |
| Participant deferral / active EE | $3,766 | $4,224-10.8% | $5,098-26.1% | $4,139-9.0% |
| Admin fee / account holder | $2,914 | $9,013-67.7% | $12,098-75.9% | $7,234-59.7% |