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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 | $119,619 | $111,535+7.2% | $105,223+13.7% | $137,256-12.8% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 17.34% | 237.85%-220.5pp | 180.65%-163.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $2,142 | $3,939-45.6% | $3,689-41.9% | $4,156-48.5% |
| Participant deferral / active EE | $5,359 | $5,500-2.6% | $5,072+5.7% | $6,407-16.4% |
| Admin fee / account holder | $765 | $9,721-92.1% | $8,859-91.4% | $12,270-93.8% |