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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 | $122,198 | $165,381-26.1% | $149,730-18.4% | $158,966-23.1% |
| Participation rate | 56.5% | 84.6%-28.1pp | 82.5%-26.0pp | 82.0%-25.4pp |
| Annual return | 14.61% | 348.29%-333.7pp | 276.70%-262.1pp | 302.95%-288.3pp |
| Employer contribution / active EE | $3,243 | $5,104-36.5% | $4,645-30.2% | $4,762-31.9% |
| Participant deferral / active EE | $7,114 | $7,182-1.0% | $6,843+4.0% | $5,983+18.9% |
| Admin fee / account holder | $13,145 | $10,809+21.6% | $9,310+41.2% | $11,250+16.8% |