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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 | $115,113 | $93,345+23.3% | $119,126-3.4% | $87,485+31.6% |
| Participation rate | 54.1% | 68.7%-14.7pp | 75.8%-21.7pp | 68.9%-14.9pp |
| Annual return | 15.01% | 19.08%-4.1pp | 282.11%-267.1pp | 26.06%-11.0pp |
| Employer contribution / active EE | $1,198 | $3,172-62.2% | $4,034-70.3% | $2,596-53.8% |
| Participant deferral / active EE | $2,726 | $4,099-33.5% | $5,318-48.7% | $4,274-36.2% |
| Admin fee / account holder | $1,677 | $8,039-79.1% | $10,693-84.3% | $7,775-78.4% |