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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 | $101,041 | $77,569+30.3% | $115,599-12.6% | $64,097+57.6% |
| Participation rate | 38.0% | 60.7%-22.7pp | 74.3%-36.3pp | 55.2%-17.2pp |
| Annual return | 14.13% | 18.52%-4.4pp | 111.10%-97.0pp | 34.64%-20.5pp |
| Employer contribution / active EE | $1,815 | $1,915-5.2% | $2,955-38.6% | $1,891-4.0% |
| Participant deferral / active EE | $4,392 | $3,327+32.0% | $4,889-10.2% | $3,080+42.6% |
| Admin fee / account holder | $19,503 | $4,470+336.3% | $12,841+51.9% | $3,454+464.6% |