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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 | $130,221 | $124,351+4.7% | $109,188+19.3% | $167,553-22.3% |
| Participation rate | 58.3% | 79.4%-21.1pp | 75.9%-17.5pp | 82.1%-23.8pp |
| Annual return | 10.48% | 26.04%-15.6pp | 25.76%-15.3pp | 478.89%-468.4pp |
| Employer contribution / active EE | $2,105 | $4,210-50.0% | $3,723-43.5% | $4,840-56.5% |
| Participant deferral / active EE | $4,907 | $5,257-6.7% | $4,654+5.4% | $6,343-22.6% |
| Admin fee / account holder | $2,827 | $7,975-64.6% | $6,755-58.2% | $12,316-77.0% |