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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 | $127,186 | $165,361-23.1% | $149,715-15.0% | $158,950-20.0% |
| Participation rate | 68.8% | 84.6%-15.8pp | 82.5%-13.7pp | 82.0%-13.2pp |
| Annual return | 11.23% | 348.24%-337.0pp | 276.66%-265.4pp | 302.91%-291.7pp |
| Employer contribution / active EE | $3,464 | $5,103-32.1% | $4,645-25.4% | $4,762-27.3% |
| Participant deferral / active EE | $6,294 | $7,182-12.4% | $6,842-8.0% | $5,983+5.2% |
| Admin fee / account holder | $22,046 | $10,808+104.0% | $9,310+136.8% | $11,248+96.0% |