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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 | $91,049 | $126,661-28.1% | $113,397-19.7% | $138,895-34.4% |
| Participation rate | 43.8% | 79.4%-35.7pp | 76.5%-32.7pp | 79.9%-36.2pp |
| Annual return | 13.53% | 25.05%-11.5pp | 23.20%-9.7pp | 145.39%-131.9pp |
| Employer contribution / active EE | $2,907 | $3,456-15.9% | $2,977-2.4% | $4,194-30.7% |
| Participant deferral / active EE | $8,365 | $5,693+46.9% | $5,076+64.8% | $6,396+30.8% |
| Admin fee / account holder | $129,532 | $14,549+790.3% | $11,957+983.3% | $12,562+931.1% |