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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 | $147,421 | $183,627-19.7% | $155,602-5.3% | $145,978+1.0% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 12.70% | 61.32%-48.6pp | 64.81%-52.1pp | 550.52%-537.8pp |
| Employer contribution / active EE | $3,384 | $5,316-36.3% | $4,675-27.6% | $4,662-27.4% |
| Participant deferral / active EE | $6,100 | $6,466-5.7% | $5,629+8.4% | $6,690-8.8% |
| Admin fee / account holder | $1,812 | $19,327-90.6% | $15,923-88.6% | $13,400-86.5% |