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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 | $144,501 | $148,629-2.8% | $135,982+6.3% | $139,487+3.6% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 12.89% | 79.33%-66.4pp | 68.32%-55.4pp | 373.84%-361.0pp |
| Employer contribution / active EE | $4,488 | $5,247-14.5% | $4,859-7.6% | $4,755-5.6% |
| Participant deferral / active EE | $8,943 | $8,102+10.4% | $7,760+15.2% | $6,713+33.2% |
| Admin fee / account holder | $5,939 | $12,406-52.1% | $10,767-44.8% | $11,407-47.9% |