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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 | $120,901 | $97,550+23.9% | $120,344+0.5% | $87,485+38.2% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.7%-12.4pp | 68.9%-4.6pp |
| Annual return | 12.87% | 18.41%-5.5pp | 20.30%-7.4pp | 26.06%-13.2pp |
| Employer contribution / active EE | $2,596 | $2,291+13.3% | $3,020-14.0% | $2,5960% |
| Participant deferral / active EE | $4,220 | $4,230-0.2% | $5,135-17.8% | $4,274-1.3% |
| Admin fee / account holder | $19,060 | $9,543+99.7% | $12,742+49.6% | $7,775+145.1% |