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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 | $104,887 | $86,922+20.7% | $102,438+2.4% | $80,874+29.7% |
| Participation rate | 50.7% | 72.4%-21.7pp | 76.5%-25.8pp | 67.6%-17.0pp |
| Annual return | 13.69% | 18.90%-5.2pp | 29.37%-15.7pp | 35.62%-21.9pp |
| Employer contribution / active EE | $2,424 | $2,369+2.3% | $3,024-19.8% | $2,756-12.0% |
| Participant deferral / active EE | $6,036 | $4,119+46.6% | $5,054+19.4% | $4,297+40.5% |
| Admin fee / account holder | $15,933 | $8,050+97.9% | $9,448+68.6% | $6,935+129.7% |