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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 | $113,656 | $94,031+20.9% | $115,768-1.8% | $82,448+37.9% |
| Participation rate | 42.5% | 70.4%-27.9pp | 74.4%-31.9pp | 68.1%-25.6pp |
| Annual return | 18.99% | 20.61%-1.6pp | 100.46%-81.5pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,227 | $2,323-47.2% | $2,940-58.3% | $2,551-51.9% |
| Participant deferral / active EE | $1,966 | $3,972-50.5% | $4,917-60.0% | $4,139-52.5% |
| Admin fee / account holder | $15,531 | $10,249+51.5% | $12,439+24.9% | $7,234+114.7% |