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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 | $145,441 | $111,535+30.4% | $105,223+38.2% | $137,256+6.0% |
| Participation rate | 42.9% | 78.1%-35.2pp | 75.0%-32.2pp | 80.0%-37.1pp |
| Annual return | 16.11% | 237.85%-221.7pp | 180.65%-164.5pp | 220.34%-204.2pp |
| Employer contribution / active EE | $3,171 | $3,939-19.5% | $3,689-14.0% | $4,156-23.7% |
| Participant deferral / active EE | $8,253 | $5,500+50.1% | $5,072+62.7% | $6,407+28.8% |
| Admin fee / account holder | $1,035 | $9,721-89.4% | $8,859-88.3% | $12,270-91.6% |