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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 | $118,415 | $114,712+3.2% | $173,730-31.8% | $87,485+35.4% |
| Participation rate | 61.0% | 73.0%-12.0pp | 79.6%-18.6pp | 68.9%-8.0pp |
| Annual return | 19.30% | 20.18%-0.9pp | 19.96%-0.7pp | 26.06%-6.8pp |
| Employer contribution / active EE | $2,204 | $2,904-24.1% | $4,577-51.9% | $2,596-15.1% |
| Participant deferral / active EE | $4,043 | $4,642-12.9% | $6,326-36.1% | $4,274-5.4% |
| Admin fee / account holder | $1,604 | $10,210-84.3% | $17,523-90.8% | $7,775-79.4% |