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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 | $185,312-11.6% | $161,489+1.4% | $154,746+5.8% |
| Participation rate | 54.5% | 82.5%-27.9pp | 78.7%-24.2pp | 80.7%-26.2pp |
| Annual return | 19.35% | 103.84%-84.5pp | 89.72%-70.4pp | 172.34%-153.0pp |
| Employer contribution / active EE | $1,534 | $4,769-67.8% | $4,268-64.1% | $4,379-65.0% |
| Participant deferral / active EE | $6,514 | $6,350+2.6% | $5,630+15.7% | $6,730-3.2% |
| Admin fee / account holder | $1,546 | $18,654-91.7% | $16,006-90.3% | $14,365-89.2% |