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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 | $150,860 | $154,228-2.2% | $145,433+3.7% | $137,256+9.9% |
| Participation rate | 69.2% | 83.8%-14.6pp | 82.1%-12.9pp | 80.0%-10.7pp |
| Annual return | 17.30% | 74.59%-57.3pp | 66.58%-49.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $2,467 | $4,804-48.6% | $4,554-45.8% | $4,156-40.6% |
| Participant deferral / active EE | $4,393 | $8,216-46.5% | $7,897-44.4% | $6,407-31.4% |
| Admin fee / account holder | $3,066 | $14,344-78.6% | $13,129-76.6% | $12,270-75.0% |