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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 | $120,031 | $115,931+3.5% | $185,441-35.3% | $86,983+38.0% |
| Participation rate | 64.5% | 73.6%-9.1pp | 80.3%-15.7pp | 69.5%-5.0pp |
| Annual return | 16.58% | 21.47%-4.9pp | 20.16%-3.6pp | 25.83%-9.3pp |
| Employer contribution / active EE | $3,217 | $2,937+9.5% | $4,672-31.2% | $2,584+24.5% |
| Participant deferral / active EE | $6,354 | $4,551+39.6% | $6,152+3.3% | $4,194+51.5% |
| Admin fee / account holder | $5,894 | $10,687-44.8% | $17,890-67.1% | $7,856-25.0% |