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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 | $118,818 | $111,535+6.5% | $105,223+12.9% | $137,256-13.4% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 12.89% | 237.85%-225.0pp | 180.65%-167.8pp | 220.34%-207.5pp |
| Employer contribution / active EE | $2,618 | $3,939-33.5% | $3,689-29.0% | $4,156-37.0% |
| Participant deferral / active EE | $7,288 | $5,500+32.5% | $5,072+43.7% | $6,407+13.8% |
| Admin fee / account holder | $2,377 | $9,721-75.5% | $8,859-73.2% | $12,270-80.6% |