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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 | $124,858 | $110,379+13.1% | $102,412+21.9% | $145,884-14.4% |
| Participation rate | 37.5% | 77.9%-40.4pp | 74.5%-37.0pp | 80.3%-42.8pp |
| Annual return | 16.15% | 24.84%-8.7pp | 24.94%-8.8pp | 551.85%-535.7pp |
| Employer contribution / active EE | $3,894 | $4,216-7.6% | $3,870+0.6% | $4,662-16.5% |
| Participant deferral / active EE | $1,987 | $5,622-64.7% | $5,060-60.7% | $6,690-70.3% |
| Admin fee / account holder | $1,276 | $9,745-86.9% | $8,388-84.8% | $13,392-90.5% |