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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 | $175,253 | $183,592-4.5% | $155,574+12.6% | $145,877+20.1% |
| Participation rate | 63.2% | 82.7%-19.5pp | 78.2%-15.1pp | 80.3%-17.1pp |
| Annual return | 12.27% | 61.37%-49.1pp | 64.87%-52.6pp | 551.28%-539.0pp |
| Employer contribution / active EE | $1,819 | $5,317-65.8% | $4,676-61.1% | $4,663-61.0% |
| Participant deferral / active EE | $7,120 | $6,466+10.1% | $5,629+26.5% | $6,691+6.4% |
| Admin fee / account holder | $12,940 | $19,316-33.0% | $15,914-18.7% | $13,402-3.5% |