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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 | $97,550+14.6% | $120,344-7.1% | $87,485+27.8% |
| Participation rate | 58.7% | 72.8%-14.1pp | 76.7%-18.0pp | 68.9%-10.2pp |
| Annual return | 14.68% | 18.41%-3.7pp | 20.30%-5.6pp | 26.06%-11.4pp |
| Employer contribution / active EE | $1,765 | $2,291-22.9% | $3,020-41.6% | $2,596-32.0% |
| Participant deferral / active EE | $3,766 | $4,230-11.0% | $5,135-26.7% | $4,274-11.9% |
| Admin fee / account holder | $2,914 | $9,543-69.5% | $12,742-77.1% | $7,775-62.5% |