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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 | $150,754 | $126,661+19.0% | $113,397+32.9% | $138,895+8.5% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.5%-26.5pp | 79.9%-29.9pp |
| Annual return | 15.67% | 25.05%-9.4pp | 23.20%-7.5pp | 145.39%-129.7pp |
| Employer contribution / active EE | $1,217 | $3,456-64.8% | $2,977-59.1% | $4,194-71.0% |
| Participant deferral / active EE | $3,979 | $5,693-30.1% | $5,076-21.6% | $6,396-37.8% |
| Admin fee / account holder | $3,453 | $14,549-76.3% | $11,957-71.1% | $12,562-72.5% |