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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 | $116,062 | $69,273+67.5% | $90,796+27.8% | $82,637+40.4% |
| Participation rate | 54.4% | 64.0%-9.6pp | 69.5%-15.1pp | 68.1%-13.6pp |
| Annual return | 15.01% | 18.37%-3.4pp | 19.29%-4.3pp | 53.51%-38.5pp |
| Employer contribution / active EE | $1,566 | $1,865-16.1% | $2,294-31.7% | $2,552-38.7% |
| Participant deferral / active EE | $2,994 | $3,047-1.8% | $3,822-21.7% | $4,126-27.4% |
| Admin fee / account holder | $1,381 | $5,511-74.9% | $7,024-80.3% | $7,339-81.2% |