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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 | $144,277 | $133,998+7.7% | $112,263+28.5% | $134,545+7.2% |
| Participation rate | 46.2% | 78.6%-32.4pp | 75.1%-28.9pp | 81.2%-35.1pp |
| Annual return | 5.78% | 47.17%-41.4pp | 27.49%-21.7pp | 418.37%-412.6pp |
| Employer contribution / active EE | $3,060 | $4,040-24.3% | $3,636-15.9% | $4,742-35.5% |
| Participant deferral / active EE | $4,062 | $5,292-23.3% | $4,729-14.1% | $6,401-36.5% |
| Admin fee / account holder | $613 | $7,493-91.8% | $6,410-90.4% | $11,431-94.6% |