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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 | $138,940 | $185,312-25.0% | $161,489-14.0% | $154,746-10.2% |
| Participation rate | 35.7% | 82.5%-46.7pp | 78.7%-43.0pp | 80.7%-45.0pp |
| Annual return | 15.52% | 103.84%-88.3pp | 89.72%-74.2pp | 172.34%-156.8pp |
| Employer contribution / active EE | $987 | $4,769-79.3% | $4,268-76.9% | $4,379-77.5% |
| Participant deferral / active EE | $2,418 | $6,350-61.9% | $5,630-57.0% | $6,730-64.1% |
| Admin fee / account holder | $60,142 | $18,654+222.4% | $16,006+275.8% | $14,365+318.7% |