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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 | $187,556 | $106,588+76.0% | $94,215+99.1% | $155,188+20.9% |
| Participation rate | 42.9% | 74.3%-31.4pp | 70.0%-27.1pp | 80.8%-37.9pp |
| Annual return | 9.89% | 29.39%-19.5pp | 28.22%-18.3pp | 148.84%-138.9pp |
| Employer contribution / active EE | $1,028 | $3,080-66.6% | $2,675-61.6% | $4,248-75.8% |
| Participant deferral / active EE | $6,853 | $4,802+42.7% | $4,276+60.3% | $6,531+4.9% |
| Admin fee / account holder | $1,214 | $12,281-90.1% | $10,216-88.1% | $14,480-91.6% |