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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 | $126,130 | $114,119+10.5% | $107,187+17.7% | $138,895-9.2% |
| Participation rate | 14.3% | 78.1%-63.8pp | 75.0%-60.7pp | 79.9%-65.6pp |
| Annual return | 13.05% | 273.21%-260.2pp | 204.55%-191.5pp | 145.39%-132.3pp |
| Employer contribution / active EE | $932 | $4,059-77.0% | $3,782-75.4% | $4,194-77.8% |
| Participant deferral / active EE | $3,100 | $5,538-44.0% | $5,096-39.2% | $6,396-51.5% |
| Admin fee / account holder | $32,201 | $10,024+221.2% | $9,162+251.4% | $12,562+156.3% |