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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 | $162,802 | $124,213+31.1% | $118,106+37.8% | $154,746+5.2% |
| Participation rate | 45.5% | 83.6%-38.1pp | 81.9%-36.4pp | 80.7%-35.2pp |
| Annual return | 12.00% | 18.29%-6.3pp | 19.44%-7.4pp | 172.34%-160.3pp |
| Employer contribution / active EE | $1,810 | $4,905-63.1% | $4,698-61.5% | $4,379-58.7% |
| Participant deferral / active EE | $3,766 | $6,859-45.1% | $6,619-43.1% | $6,730-44.0% |
| Admin fee / account holder | $35,613 | $9,627+269.9% | $8,973+296.9% | $14,365+147.9% |