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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 | $114,512 | $110,240+3.9% | $96,544+18.6% | $139,487-17.9% |
| Participation rate | 57.1% | 78.1%-21.0pp | 76.0%-18.8pp | 80.3%-23.2pp |
| Annual return | 14.42% | 26.41%-12.0pp | 25.88%-11.5pp | 373.84%-359.4pp |
| Employer contribution / active EE | $2,071 | $3,622-42.8% | $2,966-30.2% | $4,755-56.4% |
| Participant deferral / active EE | $3,581 | $5,549-35.5% | $4,851-26.2% | $6,713-46.7% |
| Admin fee / account holder | $1,619 | $11,602-86.0% | $8,254-80.4% | $11,407-85.8% |