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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 | $123,296 | $107,809+14.4% | $97,032+27.1% | $155,188-20.6% |
| Participation rate | 20.0% | 75.5%-55.5pp | 71.6%-51.6pp | 80.8%-60.8pp |
| Annual return | 18.49% | 38.06%-19.6pp | 35.38%-16.9pp | 148.84%-130.4pp |
| Employer contribution / active EE | $3,074 | $2,911+5.6% | $2,629+16.9% | $4,248-27.6% |
| Participant deferral / active EE | $6,120 | $5,129+19.3% | $4,672+31.0% | $6,531-6.3% |
| Admin fee / account holder | $1,223 | $10,717-88.6% | $9,418-87.0% | $14,480-91.6% |