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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 | $121,008 | $112,729+7.3% | $98,716+22.6% | $137,256-11.8% |
| Participation rate | 62.5% | 74.2%-11.7pp | 69.3%-6.8pp | 80.0%-17.5pp |
| Annual return | 18.45% | 38.48%-20.0pp | 31.81%-13.4pp | 220.34%-201.9pp |
| Employer contribution / active EE | $1,569 | $2,725-42.4% | $2,279-31.2% | $4,156-62.3% |
| Participant deferral / active EE | $5,129 | $4,640+10.5% | $4,048+26.7% | $6,407-19.9% |
| Admin fee / account holder | $2,923 | $10,129-71.1% | $8,703-66.4% | $12,270-76.2% |