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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 | $124,167 | $118,496+4.8% | $98,461+26.1% | $139,466-11.0% |
| Participation rate | 62.5% | 77.5%-15.0pp | 75.2%-12.7pp | 80.3%-17.8pp |
| Annual return | 12.53% | 18.96%-6.4pp | 21.17%-8.6pp | 373.66%-361.1pp |
| Employer contribution / active EE | $2,035 | $3,611-43.7% | $3,049-33.3% | $4,754-57.2% |
| Participant deferral / active EE | $3,714 | $5,393-31.1% | $4,738-21.6% | $6,712-44.7% |
| Admin fee / account holder | $10,696 | $14,056-23.9% | $8,961+19.4% | $11,409-6.2% |