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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 | $174,379-23.9% | $152,093-12.7% | $138,895-4.4% |
| Participation rate | 63.6% | 81.6%-18.0pp | 77.8%-14.1pp | 79.9%-16.3pp |
| Annual return | 16.50% | 74.86%-58.4pp | 66.36%-49.9pp | 145.39%-128.9pp |
| Employer contribution / active EE | $2,925 | $4,652-37.1% | $4,175-29.9% | $4,194-30.3% |
| Participant deferral / active EE | $3,758 | $6,159-39.0% | $5,451-31.1% | $6,396-41.2% |
| Admin fee / account holder | $45,516 | $16,880+169.6% | $14,497+214.0% | $12,562+262.3% |