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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 | $114,566 | $112,729+1.6% | $98,716+16.1% | $137,256-16.5% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 14.29% | 38.48%-24.2pp | 31.81%-17.5pp | 220.34%-206.1pp |
| Employer contribution / active EE | $698 | $2,725-74.4% | $2,279-69.4% | $4,156-83.2% |
| Participant deferral / active EE | $4,078 | $4,640-12.1% | $4,048+0.7% | $6,407-36.4% |
| Admin fee / account holder | $3,706 | $10,129-63.4% | $8,703-57.4% | $12,270-69.8% |