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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 | $174,966 | $167,415+4.5% | $140,514+24.5% | $198,609-11.9% |
| Participation rate | 66.7% | 80.9%-14.2pp | 77.8%-11.1pp | 82.4%-15.7pp |
| Annual return | 4.82% | 13.85%-9.0pp | 14.36%-9.5pp | 202.70%-197.9pp |
| Employer contribution / active EE | $3,016 | $4,088-26.2% | $3,378-10.7% | $5,055-40.3% |
| Participant deferral / active EE | $4,263 | $5,579-23.6% | $4,919-13.3% | $6,977-38.9% |
| Admin fee / account holder | $5,099 | $16,730-69.5% | $13,697-62.8% | $19,030-73.2% |