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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 | $111,509 | $123,155-9.5% | $108,753+2.5% | $155,188-28.1% |
| Participation rate | 54.2% | 75.6%-21.5pp | 71.1%-16.9pp | 80.8%-26.6pp |
| Annual return | 14.26% | 44.73%-30.5pp | 37.47%-23.2pp | 148.84%-134.6pp |
| Employer contribution / active EE | $2,142 | $2,811-23.8% | $2,427-11.7% | $4,248-49.6% |
| Participant deferral / active EE | $4,329 | $4,623-6.4% | $4,115+5.2% | $6,531-33.7% |
| Admin fee / account holder | $11,026 | $12,126-9.1% | $10,320+6.8% | $14,480-23.9% |