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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 | $132,573 | $124,314+6.6% | $109,163+21.4% | $167,518-20.9% |
| Participation rate | 69.6% | 79.4%-9.9pp | 75.9%-6.3pp | 82.1%-12.5pp |
| Annual return | 13.72% | 26.04%-12.3pp | 25.75%-12.0pp | 478.71%-465.0pp |
| Employer contribution / active EE | $2,104 | $4,209-50.0% | $3,723-43.5% | $4,838-56.5% |
| Participant deferral / active EE | $4,050 | $5,256-23.0% | $4,654-13.0% | $6,342-36.1% |
| Admin fee / account holder | $1,138 | $7,973-85.7% | $6,754-83.2% | $12,312-90.8% |