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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 | $121,606 | $93,589+29.9% | $135,942-10.5% | $75,181+61.8% |
| Participation rate | 49.1% | 75.2%-26.1pp | 81.9%-32.9pp | 67.2%-18.1pp |
| Annual return | 17.47% | 30.90%-13.4pp | 68.28%-50.8pp | 160.69%-143.2pp |
| Employer contribution / active EE | $1,742 | $3,537-50.8% | $4,858-64.1% | $2,671-34.8% |
| Participant deferral / active EE | $3,163 | $6,405-50.6% | $7,759-59.2% | $4,126-23.3% |
| Admin fee / account holder | $11,402 | $6,977+63.4% | $10,764+5.9% | $5,650+101.8% |