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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 | $136,931 | $182,442-24.9% | $163,379-16.2% | $138,895-1.4% |
| Participation rate | 50.0% | 79.8%-29.8pp | 76.8%-26.8pp | 79.9%-29.9pp |
| Annual return | 16.98% | 72.74%-55.8pp | 63.41%-46.4pp | 145.39%-128.4pp |
| Employer contribution / active EE | $4,990 | $4,159+20.0% | $3,752+33.0% | $4,194+19.0% |
| Participant deferral / active EE | $8,172 | $6,817+19.9% | $6,282+30.1% | $6,396+27.8% |
| Admin fee / account holder | $8,292 | $10,396-20.2% | $9,818-15.5% | $12,562-34.0% |