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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 | $138,691 | $211,239-34.3% | $178,528-22.3% | $145,877-4.9% |
| Participation rate | 45.0% | 80.8%-35.8pp | 77.1%-32.1pp | 80.3%-35.3pp |
| Annual return | 10.81% | 30.22%-19.4pp | 27.11%-16.3pp | 551.28%-540.5pp |
| Employer contribution / active EE | $2,001 | $4,570-56.2% | $3,950-49.3% | $4,663-57.1% |
| Participant deferral / active EE | $3,859 | $6,963-44.6% | $6,278-38.5% | $6,691-42.3% |
| Admin fee / account holder | $21,970 | $12,095+81.7% | $10,419+110.9% | $13,402+63.9% |