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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 | $113,222 | $112,729+0.4% | $98,716+14.7% | $137,256-17.5% |
| Participation rate | 61.5% | 74.2%-12.7pp | 69.3%-7.8pp | 80.0%-18.4pp |
| Annual return | 12.68% | 38.48%-25.8pp | 31.81%-19.1pp | 220.34%-207.7pp |
| Employer contribution / active EE | $1,489 | $2,725-45.4% | $2,279-34.7% | $4,156-64.2% |
| Participant deferral / active EE | $4,459 | $4,640-3.9% | $4,048+10.2% | $6,407-30.4% |
| Admin fee / account holder | $17,574 | $10,129+73.5% | $8,703+101.9% | $12,270+43.2% |