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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 | $143,362 | $111,535+28.5% | $105,223+36.2% | $137,256+4.4% |
| Participation rate | 38.5% | 78.1%-39.6pp | 75.0%-36.6pp | 80.0%-41.5pp |
| Annual return | 14.20% | 237.85%-223.7pp | 180.65%-166.4pp | 220.34%-206.1pp |
| Employer contribution / active EE | $1,088 | $3,939-72.4% | $3,689-70.5% | $4,156-73.8% |
| Participant deferral / active EE | $5,017 | $5,500-8.8% | $5,072-1.1% | $6,407-21.7% |
| Admin fee / account holder | $782 | $9,721-92.0% | $8,859-91.2% | $12,270-93.6% |