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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 | $163,747 | $172,111-4.9% | $150,298+8.9% | $137,256+19.3% |
| Participation rate | 54.5% | 81.7%-27.2pp | 77.8%-23.2pp | 80.0%-25.4pp |
| Annual return | 19.35% | 69.37%-50.0pp | 62.79%-43.4pp | 220.34%-201.0pp |
| Employer contribution / active EE | $1,534 | $4,636-66.9% | $4,154-63.1% | $4,156-63.1% |
| Participant deferral / active EE | $6,514 | $6,166+5.7% | $5,453+19.5% | $6,407+1.7% |
| Admin fee / account holder | $1,546 | $16,471-90.6% | $14,116-89.0% | $12,270-87.4% |