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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 | $110,379+8.5% | $102,412+17.0% | $145,884-17.9% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.5%-15.4pp | 80.3%-21.2pp |
| Annual return | 16.45% | 24.84%-8.4pp | 24.94%-8.5pp | 551.85%-535.4pp |
| Employer contribution / active EE | $3,001 | $4,216-28.8% | $3,870-22.5% | $4,662-35.6% |
| Participant deferral / active EE | $4,301 | $5,622-23.5% | $5,060-15.0% | $6,690-35.7% |
| Admin fee / account holder | $4,617 | $9,745-52.6% | $8,388-45.0% | $13,392-65.5% |