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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 | $121,739 | $55,684+118.6% | $75,900+60.4% | $72,976+66.8% |
| Participation rate | 51.7% | 61.1%-9.4pp | 69.3%-17.6pp | 69.5%-17.8pp |
| Annual return | 27.19% | 27.60%-0.4pp | 30.73%-3.5pp | 81.02%-53.8pp |
| Employer contribution / active EE | $3,442 | $1,687+104.0% | $2,501+37.6% | $2,440+41.0% |
| Participant deferral / active EE | $6,403 | $2,634+143.1% | $3,604+77.7% | $3,608+77.5% |
| Admin fee / account holder | $1,642 | $3,981-58.8% | $5,421-69.7% | $5,124-68.0% |