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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 | $175,387 | $91,198+92.3% | $178,503-1.7% | $79,856+119.6% |
| Participation rate | 55.6% | 69.2%-13.7pp | 81.9%-26.4pp | 69.6%-14.1pp |
| Annual return | 12.07% | 24.20%-12.1pp | 151.12%-139.1pp | 31.71%-19.6pp |
| Employer contribution / active EE | $3,291 | $3,257+1.0% | $5,011-34.3% | $2,471+33.2% |
| Participant deferral / active EE | $5,158 | $3,237+59.4% | $5,202-0.9% | $3,741+37.9% |
| Admin fee / account holder | $1,414 | $6,748-79.0% | $13,987-89.9% | $5,306-73.4% |