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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 | $119,809 | $124,330-3.6% | $109,173+9.7% | $167,536-28.5% |
| Participation rate | 66.7% | 79.5%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 15.76% | 26.04%-10.3pp | 25.75%-10.0pp | 478.82%-463.1pp |
| Employer contribution / active EE | $2,022 | $4,209-52.0% | $3,723-45.7% | $4,839-58.2% |
| Participant deferral / active EE | $3,051 | $5,256-41.9% | $4,654-34.4% | $6,342-51.9% |
| Admin fee / account holder | $7,905 | $7,974-0.9% | $6,755+17.0% | $12,315-35.8% |