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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 | $122,955 | $112,915+8.9% | $90,965+35.2% | $158,950-22.6% |
| Participation rate | 60.0% | 74.7%-14.7pp | 69.0%-9.0pp | 82.0%-22.0pp |
| Annual return | 12.81% | 215.75%-202.9pp | 134.57%-121.8pp | 302.91%-290.1pp |
| Employer contribution / active EE | $1,628 | $2,894-43.8% | $2,122-23.3% | $4,762-65.8% |
| Participant deferral / active EE | $5,059 | $4,128+22.5% | $3,373+50.0% | $5,983-15.4% |
| Admin fee / account holder | $2,682 | $8,044-66.7% | $5,960-55.0% | $11,248-76.2% |