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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 | $134,751 | $183,592-26.6% | $155,574-13.4% | $145,877-7.6% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 11.94% | 61.37%-49.4pp | 64.87%-52.9pp | 551.28%-539.3pp |
| Employer contribution / active EE | $2,877 | $5,317-45.9% | $4,676-38.5% | $4,663-38.3% |
| Participant deferral / active EE | $6,796 | $6,466+5.1% | $5,629+20.7% | $6,691+1.6% |
| Admin fee / account holder | $5,527 | $19,316-71.4% | $15,914-65.3% | $13,402-58.8% |