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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 | $120,918 | $181,896-33.5% | $156,551-22.8% | $273,972-55.9% |
| Participation rate | 60.0% | 88.4%-28.4pp | 84.0%-24.0pp | 83.0%-23.0pp |
| Annual return | 4.33% | 30.74%-26.4pp | 32.23%-27.9pp | 41.46%-37.1pp |
| Employer contribution / active EE | $3,089 | $6,248-50.6% | $5,501-43.8% | $4,869-36.6% |
| Participant deferral / active EE | $5,470 | $5,550-1.4% | $4,871+12.3% | $5,287+3.5% |
| Admin fee / account holder | $5,153 | $15,560-66.9% | $13,028-60.4% | $10,133-49.1% |