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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 | $116,311 | $73,787+57.6% | $98,716+17.8% | $82,448+41.1% |
| Participation rate | 54.0% | 61.4%-7.4pp | 69.3%-15.3pp | 68.1%-14.0pp |
| Annual return | 17.44% | 18.57%-1.1pp | 31.81%-14.4pp | 41.64%-24.2pp |
| Employer contribution / active EE | $1,106 | $1,511-26.8% | $2,279-51.4% | $2,551-56.6% |
| Participant deferral / active EE | $4,716 | $3,081+53.0% | $4,048+16.5% | $4,139+13.9% |
| Admin fee / account holder | $19,068 | $6,500+193.3% | $8,703+119.1% | $7,234+163.6% |