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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 | $152,402 | $154,228-1.2% | $145,433+4.8% | $137,256+11.0% |
| Participation rate | 60.9% | 83.8%-22.9pp | 82.1%-21.2pp | 80.0%-19.1pp |
| Annual return | 18.29% | 74.59%-56.3pp | 66.58%-48.3pp | 220.34%-202.1pp |
| Employer contribution / active EE | $3,011 | $4,804-37.3% | $4,554-33.9% | $4,156-27.6% |
| Participant deferral / active EE | $7,832 | $8,216-4.7% | $7,897-0.8% | $6,407+22.2% |
| Admin fee / account holder | $12,742 | $14,344-11.2% | $13,129-2.9% | $12,270+3.8% |