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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 | $105,038 | $104,650+0.4% | $83,854+25.3% | $155,188-32.3% |
| Participation rate | 20.0% | 65.1%-45.1pp | 59.1%-39.1pp | 80.8%-60.8pp |
| Annual return | 13.39% | 28.97%-15.6pp | 31.39%-18.0pp | 148.84%-135.4pp |
| Employer contribution / active EE | $977 | $1,196-18.4% | $1,017-4.0% | $4,248-77.0% |
| Participant deferral / active EE | $4,832 | $2,367+104.1% | $2,035+137.4% | $6,531-26.0% |
| Admin fee / account holder | $1,144 | $3,518-67.5% | $3,197-64.2% | $14,480-92.1% |