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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 | $122,611 | $106,247+15.4% | $96,515+27.0% | $139,466-12.1% |
| Participation rate | 57.1% | 77.8%-20.7pp | 74.3%-17.2pp | 80.3%-23.2pp |
| Annual return | 12.75% | 38.47%-25.7pp | 35.73%-23.0pp | 373.66%-360.9pp |
| Employer contribution / active EE | $963 | $4,106-76.5% | $3,740-74.2% | $4,754-79.7% |
| Participant deferral / active EE | $6,915 | $5,456+26.8% | $4,880+41.7% | $6,712+3.0% |
| Admin fee / account holder | $1,759 | $7,885-77.7% | $6,735-73.9% | $11,409-84.6% |