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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 | $122,186 | $178,174-31.4% | $156,181-21.8% | $137,256-11.0% |
| Participation rate | 68.4% | 82.0%-13.6pp | 78.8%-10.4pp | 80.0%-11.5pp |
| Annual return | 77.10% | 84.19%-7.1pp | 64.87%+12.2pp | 220.34%-143.2pp |
| Employer contribution / active EE | $2,973 | $4,972-40.2% | $4,294-30.8% | $4,156-28.5% |
| Participant deferral / active EE | $7,222 | $6,888+4.9% | $6,132+17.8% | $6,407+12.7% |
| Admin fee / account holder | $12,708 | $17,404-27.0% | $14,586-12.9% | $12,270+3.6% |