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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 | $198,742 | $167,415+18.7% | $140,514+41.4% | $198,609+0.1% |
| Participation rate | 43.5% | 80.9%-37.4pp | 77.8%-34.3pp | 82.4%-38.9pp |
| Annual return | 13.40% | 13.85%-0.5pp | 14.36%-1.0pp | 202.70%-189.3pp |
| Employer contribution / active EE | $1,251 | $4,088-69.4% | $3,378-63.0% | $5,055-75.3% |
| Participant deferral / active EE | $4,742 | $5,579-15.0% | $4,919-3.6% | $6,977-32.0% |
| Admin fee / account holder | $5,036 | $16,730-69.9% | $13,697-63.2% | $19,030-73.5% |