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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 | $141,455 | $124,425+13.7% | $112,040+26.3% | $137,256+3.1% |
| Participation rate | 30.8% | 79.3%-48.5pp | 76.5%-45.7pp | 80.0%-49.2pp |
| Annual return | 12.14% | 24.72%-12.6pp | 24.52%-12.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $1,791 | $3,411-47.5% | $2,954-39.4% | $4,156-56.9% |
| Participant deferral / active EE | $4,848 | $5,718-15.2% | $5,098-4.9% | $6,407-24.3% |
| Admin fee / account holder | $1,182 | $15,207-92.2% | $12,098-90.2% | $12,270-90.4% |