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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 | $127,869 | $165,381-22.7% | $149,730-14.6% | $158,966-19.6% |
| Participation rate | 64.3% | 84.6%-20.3pp | 82.5%-18.2pp | 82.0%-17.7pp |
| Annual return | 28.22% | 348.29%-320.1pp | 276.70%-248.5pp | 302.95%-274.7pp |
| Employer contribution / active EE | $4,523 | $5,104-11.4% | $4,645-2.6% | $4,762-5.0% |
| Participant deferral / active EE | $7,595 | $7,182+5.7% | $6,843+11.0% | $5,983+26.9% |
| Admin fee / account holder | $1,137 | $10,809-89.5% | $9,310-87.8% | $11,250-89.9% |