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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 | $106,749+30.7% | $145,433-4.1% | $82,448+69.2% |
| Participation rate | 60.5% | 75.6%-15.2pp | 82.1%-21.7pp | 68.1%-7.6pp |
| Annual return | 15.41% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,871 | $3,444-45.7% | $4,554-58.9% | $2,551-26.7% |
| Participant deferral / active EE | $4,883 | $6,519-25.1% | $7,897-38.2% | $4,139+18.0% |
| Admin fee / account holder | $20,271 | $8,390+141.6% | $13,129+54.4% | $7,234+180.2% |