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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 | $120,796 | $124,980-3.3% | $108,359+11.5% | $154,746-21.9% |
| Participation rate | 63.6% | 75.2%-11.5pp | 70.1%-6.5pp | 80.7%-17.1pp |
| Annual return | 14.46% | 45.00%-30.5pp | 36.89%-22.4pp | 172.34%-157.9pp |
| Employer contribution / active EE | $1,484 | $2,851-48.0% | $2,399-38.2% | $4,379-66.1% |
| Participant deferral / active EE | $4,303 | $4,743-9.3% | $4,137+4.0% | $6,730-36.1% |
| Admin fee / account holder | $5,621 | $11,502-51.1% | $9,741-42.3% | $14,365-60.9% |