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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 | $124,154 | $93,589+32.7% | $135,942-8.7% | $75,181+65.1% |
| Participation rate | 43.8% | 75.2%-31.4pp | 81.9%-38.2pp | 67.2%-23.4pp |
| Annual return | 19.49% | 30.90%-11.4pp | 68.28%-48.8pp | 160.69%-141.2pp |
| Employer contribution / active EE | $1,591 | $3,537-55.0% | $4,858-67.2% | $2,671-40.4% |
| Participant deferral / active EE | $2,604 | $6,405-59.3% | $7,759-66.4% | $4,126-36.9% |
| Admin fee / account holder | $6,988 | $6,977+0.2% | $10,764-35.1% | $5,650+23.7% |