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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 | $142,443 | $132,099+7.8% | $115,599+23.2% | $138,895+2.6% |
| Participation rate | 55.6% | 77.9%-22.3pp | 74.3%-18.7pp | 79.9%-24.4pp |
| Annual return | 15.40% | 176.76%-161.4pp | 111.10%-95.7pp | 145.39%-130.0pp |
| Employer contribution / active EE | $742 | $3,416-78.3% | $2,955-74.9% | $4,194-82.3% |
| Participant deferral / active EE | $4,307 | $5,617-23.3% | $4,889-11.9% | $6,396-32.7% |
| Admin fee / account holder | $623 | $15,650-96.0% | $12,841-95.1% | $12,562-95.0% |