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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 | $98,841 | $124,980-20.9% | $108,359-8.8% | $154,746-36.1% |
| Participation rate | 63.2% | 75.2%-12.0pp | 70.1%-7.0pp | 80.7%-17.5pp |
| Annual return | 16.91% | 45.00%-28.1pp | 36.89%-20.0pp | 172.34%-155.4pp |
| Employer contribution / active EE | $2,108 | $2,851-26.1% | $2,399-12.2% | $4,379-51.9% |
| Participant deferral / active EE | $5,364 | $4,743+13.1% | $4,137+29.7% | $6,730-20.3% |
| Admin fee / account holder | $832 | $11,502-92.8% | $9,741-91.5% | $14,365-94.2% |