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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 | $141,018 | $161,352-12.6% | $134,172+5.1% | $137,256+2.7% |
| Participation rate | 69.6% | 78.3%-8.7pp | 72.5%-2.9pp | 80.0%-10.4pp |
| Annual return | 22.29% | 28.72%-6.4pp | 25.30%-3.0pp | 220.34%-198.1pp |
| Employer contribution / active EE | $1,859 | $4,099-54.6% | $3,420-45.6% | $4,156-55.3% |
| Participant deferral / active EE | $5,105 | $5,552-8.1% | $4,690+8.8% | $6,407-20.3% |
| Admin fee / account holder | $1,039 | $15,028-93.1% | $12,016-91.4% | $12,270-91.5% |