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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 | $125,796 | $124,351+1.2% | $109,188+15.2% | $167,553-24.9% |
| Participation rate | 40.0% | 79.4%-39.4pp | 75.9%-35.9pp | 82.1%-42.1pp |
| Annual return | 11.75% | 26.04%-14.3pp | 25.76%-14.0pp | 478.89%-467.1pp |
| Employer contribution / active EE | $1,085 | $4,210-74.2% | $3,723-70.9% | $4,840-77.6% |
| Participant deferral / active EE | $5,830 | $5,257+10.9% | $4,654+25.3% | $6,343-8.1% |
| Admin fee / account holder | $1,035 | $7,975-87.0% | $6,755-84.7% | $12,316-91.6% |