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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 | $138,243 | $118,488+16.7% | $98,462+40.4% | $139,487-0.9% |
| Participation rate | 44.4% | 77.5%-33.0pp | 75.2%-30.7pp | 80.3%-35.9pp |
| Annual return | 11.92% | 18.96%-7.0pp | 21.17%-9.2pp | 373.84%-361.9pp |
| Employer contribution / active EE | $6,676 | $3,611+84.9% | $3,049+119.0% | $4,755+40.4% |
| Participant deferral / active EE | $4,409 | $5,393-18.2% | $4,738-7.0% | $6,713-34.3% |
| Admin fee / account holder | $28,311 | $13,868+104.1% | $8,875+219.0% | $11,407+148.2% |