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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 | $127,642 | $162,821-21.6% | $133,978-4.7% | $158,982-19.7% |
| Participation rate | 61.9% | 83.2%-21.3pp | 79.8%-17.9pp | 82.0%-20.1pp |
| Annual return | 14.67% | 41.95%-27.3pp | 45.10%-30.4pp | 302.99%-288.3pp |
| Employer contribution / active EE | $2,670 | $4,976-46.3% | $3,919-31.9% | $4,763-43.9% |
| Participant deferral / active EE | $5,558 | $5,910-6.0% | $5,047+10.1% | $5,983-7.1% |
| Admin fee / account holder | $29,202 | $11,742+148.7% | $8,930+227.0% | $11,252+159.5% |