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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 | $156,776 | $154,228+1.7% | $145,433+7.8% | $137,256+14.2% |
| Participation rate | 47.6% | 83.8%-36.2pp | 82.1%-34.5pp | 80.0%-32.3pp |
| Annual return | 17.49% | 74.59%-57.1pp | 66.58%-49.1pp | 220.34%-202.8pp |
| Employer contribution / active EE | $1,030 | $4,804-78.6% | $4,554-77.4% | $4,156-75.2% |
| Participant deferral / active EE | $3,644 | $8,216-55.6% | $7,897-53.9% | $6,407-43.1% |
| Admin fee / account holder | $2,644 | $14,344-81.6% | $13,129-79.9% | $12,270-78.4% |