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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 | $80,274 | $72,269+11.1% | $101,271-20.7% | $79,852+0.5% |
| Participation rate | 48.6% | 68.5%-19.8pp | 75.8%-27.2pp | 69.6%-21.0pp |
| Annual return | 13.26% | 22.29%-9.0pp | 46.48%-33.2pp | 31.72%-18.5pp |
| Employer contribution / active EE | $3,752 | $2,692+39.4% | $3,660+2.5% | $2,471+51.9% |
| Participant deferral / active EE | $4,767 | $3,282+45.3% | $4,371+9.1% | $3,740+27.5% |
| Admin fee / account holder | $14,903 | $4,401+238.6% | $5,948+150.6% | $5,306+180.9% |