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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 | $108,019 | $102,938+4.9% | $94,105+14.8% | $138,895-22.2% |
| Participation rate | 64.3% | 74.6%-10.4pp | 71.9%-7.7pp | 79.9%-15.6pp |
| Annual return | 16.59% | 250.28%-233.7pp | 204.55%-188.0pp | 145.39%-128.8pp |
| Employer contribution / active EE | $1,324 | $2,732-51.5% | $2,504-47.1% | $4,194-68.4% |
| Participant deferral / active EE | $2,049 | $4,196-51.2% | $3,881-47.2% | $6,396-68.0% |
| Admin fee / account holder | $15,356 | $6,600+132.7% | $6,199+147.7% | $12,562+22.2% |