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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 | $122,921 | $108,825+13.0% | $156,181-21.3% | $82,448+49.1% |
| Participation rate | 48.9% | 72.4%-23.4pp | 78.8%-29.9pp | 68.1%-19.1pp |
| Annual return | 17.11% | 20.59%-3.5pp | 64.87%-47.8pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,176 | $2,870-59.0% | $4,294-72.6% | $2,551-53.9% |
| Participant deferral / active EE | $2,789 | $4,577-39.1% | $6,132-54.5% | $4,139-32.6% |
| Admin fee / account holder | $1,007 | $9,341-89.2% | $14,586-93.1% | $7,234-86.1% |