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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 | $184,376 | $174,379+5.7% | $152,093+21.2% | $138,895+32.7% |
| Participation rate | 40.0% | 81.6%-41.6pp | 77.8%-37.8pp | 79.9%-39.9pp |
| Annual return | 18.83% | 74.86%-56.0pp | 66.36%-47.5pp | 145.39%-126.6pp |
| Employer contribution / active EE | $2,284 | $4,652-50.9% | $4,175-45.3% | $4,194-45.5% |
| Participant deferral / active EE | $10,038 | $6,159+63.0% | $5,451+84.1% | $6,396+56.9% |
| Admin fee / account holder | $1,505 | $16,880-91.1% | $14,497-89.6% | $12,562-88.0% |