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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 | $128,120 | $129,737-1.2% | $119,126+7.5% | $154,746-17.2% |
| Participation rate | 54.5% | 78.9%-24.3pp | 75.8%-21.2pp | 80.7%-26.2pp |
| Annual return | 19.64% | 379.08%-359.4pp | 282.11%-262.5pp | 172.34%-152.7pp |
| Employer contribution / active EE | $4,359 | $4,375-0.4% | $4,034+8.1% | $4,379-0.5% |
| Participant deferral / active EE | $5,506 | $5,842-5.8% | $5,318+3.5% | $6,730-18.2% |
| Admin fee / account holder | $3,412 | $11,961-71.5% | $10,693-68.1% | $14,365-76.2% |