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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 | $140,982 | $154,209-8.6% | $130,062+8.4% | $139,487+1.1% |
| Participation rate | 62.5% | 82.0%-19.5pp | 78.5%-16.0pp | 80.3%-17.8pp |
| Annual return | 17.28% | 32.52%-15.2pp | -137.37%+154.6pp | 373.84%-356.6pp |
| Employer contribution / active EE | $2,014 | $5,292-61.9% | $4,322-53.4% | $4,755-57.6% |
| Participant deferral / active EE | $4,143 | $6,709-38.2% | $5,821-28.8% | $6,713-38.3% |
| Admin fee / account holder | $11,933 | $13,988-14.7% | $10,601+12.6% | $11,407+4.6% |