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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 | $104,795 | $94,031+11.4% | $115,768-9.5% | $82,448+27.1% |
| Participation rate | 54.7% | 70.4%-15.7pp | 74.4%-19.7pp | 68.1%-13.3pp |
| Annual return | 16.92% | 20.61%-3.7pp | 100.46%-83.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,378 | $2,323+2.4% | $2,940-19.1% | $2,551-6.8% |
| Participant deferral / active EE | $3,317 | $3,972-16.5% | $4,917-32.5% | $4,139-19.9% |
| Admin fee / account holder | $2,901 | $10,249-71.7% | $12,439-76.7% | $7,234-59.9% |