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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 | $146,672 | $148,623-1.3% | $135,974+7.9% | $139,466+5.2% |
| Participation rate | 33.3% | 83.9%-50.5pp | 81.9%-48.6pp | 80.3%-47.0pp |
| Annual return | 12.58% | 79.30%-66.7pp | 68.30%-55.7pp | 373.66%-361.1pp |
| Employer contribution / active EE | $3,200 | $5,246-39.0% | $4,859-34.1% | $4,754-32.7% |
| Participant deferral / active EE | $6,333 | $8,103-21.8% | $7,760-18.4% | $6,712-5.6% |
| Admin fee / account holder | $4,986 | $12,406-59.8% | $10,767-53.7% | $11,409-56.3% |