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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 | $121,375 | $111,814+8.6% | $103,378+17.4% | $145,978-16.9% |
| Participation rate | 36.8% | 77.9%-41.1pp | 74.5%-37.7pp | 80.3%-43.5pp |
| Annual return | 13.61% | 24.80%-11.2pp | 24.91%-11.3pp | 550.52%-536.9pp |
| Employer contribution / active EE | $1,177 | $4,215-72.1% | $3,870-69.6% | $4,662-74.7% |
| Participant deferral / active EE | $2,813 | $5,618-49.9% | $5,058-44.4% | $6,690-58.0% |
| Admin fee / account holder | $16,387 | $9,764+67.8% | $8,401+95.1% | $13,400+22.3% |