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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 | $129,280 | $112,729+14.7% | $98,716+31.0% | $137,256-5.8% |
| Participation rate | 42.1% | 74.2%-32.1pp | 69.3%-27.2pp | 80.0%-37.9pp |
| Annual return | 17.61% | 38.48%-20.9pp | 31.81%-14.2pp | 220.34%-202.7pp |
| Employer contribution / active EE | $1,194 | $2,725-56.2% | $2,279-47.6% | $4,156-71.3% |
| Participant deferral / active EE | $2,851 | $4,640-38.6% | $4,048-29.6% | $6,407-55.5% |
| Admin fee / account holder | $4,174 | $10,129-58.8% | $8,703-52.0% | $12,270-66.0% |