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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 | $232,472 | $174,379+33.3% | $152,093+52.8% | $138,895+67.4% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | 17.60% | 74.86%-57.3pp | 66.36%-48.8pp | 145.39%-127.8pp |
| Employer contribution / active EE | $5,761 | $4,652+23.9% | $4,175+38.0% | $4,194+37.4% |
| Participant deferral / active EE | $6,762 | $6,159+9.8% | $5,451+24.0% | $6,396+5.7% |
| Admin fee / account holder | $1,993 | $16,880-88.2% | $14,497-86.2% | $12,562-84.1% |