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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 | $123,155-1.9% | $108,753+11.1% | $155,188-22.2% |
| Participation rate | 63.6% | 75.6%-12.0pp | 71.1%-7.4pp | 80.8%-17.2pp |
| Annual return | 14.46% | 44.73%-30.3pp | 37.47%-23.0pp | 148.84%-134.4pp |
| Employer contribution / active EE | $1,484 | $2,811-47.2% | $2,427-38.9% | $4,248-65.1% |
| Participant deferral / active EE | $4,303 | $4,623-6.9% | $4,115+4.6% | $6,531-34.1% |
| Admin fee / account holder | $5,621 | $12,126-53.6% | $10,320-45.5% | $14,480-61.2% |