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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 | $144,335 | $110,337+30.8% | $102,383+41.0% | $145,877-1.1% |
| Participation rate | 57.1% | 77.9%-20.8pp | 74.5%-17.4pp | 80.3%-23.2pp |
| Annual return | 14.80% | 24.83%-10.0pp | 24.94%-10.1pp | 551.28%-536.5pp |
| Employer contribution / active EE | $1,185 | $4,216-71.9% | $3,870-69.4% | $4,663-74.6% |
| Participant deferral / active EE | $5,086 | $5,621-9.5% | $5,060+0.5% | $6,691-24.0% |
| Admin fee / account holder | $5,255 | $9,750-46.1% | $8,391-37.4% | $13,402-60.8% |