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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 | $122,857 | $94,439+30.1% | $73,658+66.8% | $154,746-20.6% |
| Participation rate | 41.2% | 64.7%-23.5pp | 57.0%-15.9pp | 80.7%-39.5pp |
| Annual return | 18.65% | 28.25%-9.6pp | 29.72%-11.1pp | 172.34%-153.7pp |
| Employer contribution / active EE | $1,007 | $1,257-19.9% | $1,032-2.5% | $4,379-77.0% |
| Participant deferral / active EE | $3,235 | $2,527+28.0% | $2,062+56.9% | $6,730-51.9% |
| Admin fee / account holder | $1,390 | $3,843-63.8% | $3,357-58.6% | $14,365-90.3% |