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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 | $139,514 | $106,524+31.0% | $152,301-8.4% | $87,485+59.5% |
| Participation rate | 60.5% | 75.8%-15.3pp | 82.4%-22.0pp | 68.9%-8.5pp |
| Annual return | 15.41% | 26.89%-11.5pp | 80.50%-65.1pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,871 | $3,371-44.5% | $4,624-59.5% | $2,596-27.9% |
| Participant deferral / active EE | $4,883 | $6,525-25.2% | $8,004-39.0% | $4,274+14.3% |
| Admin fee / account holder | $20,271 | $8,287+144.6% | $14,398+40.8% | $7,775+160.7% |