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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 | $141,689 | $111,535+27.0% | $105,223+34.7% | $137,256+3.2% |
| Participation rate | 26.7% | 78.1%-51.4pp | 75.0%-48.4pp | 80.0%-53.3pp |
| Annual return | 17.25% | 237.85%-220.6pp | 180.65%-163.4pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,038 | $3,939-73.7% | $3,689-71.9% | $4,156-75.0% |
| Participant deferral / active EE | $3,517 | $5,500-36.1% | $5,072-30.7% | $6,407-45.1% |
| Admin fee / account holder | $15,854 | $9,721+63.1% | $8,859+79.0% | $12,270+29.2% |