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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 | $100,194+20.7% | $122,979-1.7% | $86,983+39.0% |
| Participation rate | 64.3% | 73.0%-8.7pp | 77.2%-12.9pp | 69.5%-5.3pp |
| Annual return | 12.87% | 16.47%-3.6pp | 20.12%-7.2pp | 25.83%-13.0pp |
| Employer contribution / active EE | $2,596 | $2,326+11.6% | $3,062-15.2% | $2,584+0.5% |
| Participant deferral / active EE | $4,220 | $4,133+2.1% | $5,003-15.7% | $4,194+0.6% |
| Admin fee / account holder | $19,060 | $10,148+87.8% | $12,864+48.2% | $7,856+142.6% |