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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 | $117,120 | $77,574+51.0% | $108,753+7.7% | $86,983+34.6% |
| Participation rate | 56.8% | 62.3%-5.5pp | 71.1%-14.3pp | 69.5%-12.8pp |
| Annual return | 15.00% | 18.42%-3.4pp | 37.47%-22.5pp | 25.83%-10.8pp |
| Employer contribution / active EE | $1,172 | $1,611-27.2% | $2,427-51.7% | $2,584-54.6% |
| Participant deferral / active EE | $3,119 | $3,128-0.3% | $4,115-24.2% | $4,194-25.6% |
| Admin fee / account holder | $11,730 | $6,529+79.7% | $10,320+13.7% | $7,856+49.3% |