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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 | $132,764 | $181,062-26.7% | $158,223-16.1% | $155,188-14.4% |
| Participation rate | 63.6% | 82.7%-19.0pp | 79.2%-15.6pp | 80.8%-17.2pp |
| Annual return | 16.50% | 57.39%-40.9pp | 52.09%-35.6pp | 148.84%-132.3pp |
| Employer contribution / active EE | $2,925 | $4,565-35.9% | $4,109-28.8% | $4,248-31.1% |
| Participant deferral / active EE | $3,758 | $6,134-38.7% | $5,467-31.3% | $6,531-42.5% |
| Admin fee / account holder | $45,516 | $18,825+141.8% | $16,047+183.6% | $14,480+214.3% |