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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 | $119,776 | $111,814+7.1% | $103,378+15.9% | $145,978-17.9% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.5%-15.4pp | 80.3%-21.2pp |
| Annual return | 16.45% | 24.80%-8.4pp | 24.91%-8.5pp | 550.52%-534.1pp |
| Employer contribution / active EE | $3,001 | $4,215-28.8% | $3,870-22.5% | $4,662-35.6% |
| Participant deferral / active EE | $4,301 | $5,618-23.4% | $5,058-15.0% | $6,690-35.7% |
| Admin fee / account holder | $4,617 | $9,764-52.7% | $8,401-45.0% | $13,400-65.5% |