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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 | $170,190 | $124,425+36.8% | $112,040+51.9% | $137,256+24.0% |
| Participation rate | 57.1% | 79.3%-22.2pp | 76.5%-19.3pp | 80.0%-22.8pp |
| Annual return | 12.81% | 24.72%-11.9pp | 24.52%-11.7pp | 220.34%-207.5pp |
| Employer contribution / active EE | $1,936 | $3,411-43.3% | $2,954-34.5% | $4,156-53.4% |
| Participant deferral / active EE | $10,802 | $5,718+88.9% | $5,098+111.9% | $6,407+68.6% |
| Admin fee / account holder | $27,163 | $15,207+78.6% | $12,098+124.5% | $12,270+121.4% |