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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 | $126,171 | $112,943+11.7% | $90,974+38.7% | $158,988-20.6% |
| Participation rate | 42.9% | 74.7%-31.9pp | 69.0%-26.2pp | 82.0%-39.1pp |
| Annual return | 10.72% | 215.85%-205.1pp | 134.60%-123.9pp | 303.00%-292.3pp |
| Employer contribution / active EE | $1,076 | $2,893-62.8% | $2,122-49.3% | $4,763-77.4% |
| Participant deferral / active EE | $1,974 | $4,128-52.2% | $3,373-41.5% | $5,983-67.0% |
| Admin fee / account holder | $7,483 | $8,047-7.0% | $5,961+25.5% | $11,252-33.5% |