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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 | $130,858 | $107,733+21.5% | $92,985+40.7% | $154,746-15.4% |
| Participation rate | 40.0% | 74.6%-34.6pp | 69.5%-29.5pp | 80.7%-40.7pp |
| Annual return | 13.42% | 30.39%-17.0pp | 27.99%-14.6pp | 172.34%-158.9pp |
| Employer contribution / active EE | $1,776 | $3,126-43.2% | $2,662-33.3% | $4,379-59.5% |
| Participant deferral / active EE | $4,199 | $5,053-16.9% | $4,377-4.1% | $6,730-37.6% |
| Admin fee / account holder | $286,392 | $11,369+2419.1% | $9,463+2926.4% | $14,365+1893.6% |