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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 | $208,213 | $201,344+3.4% | $184,243+13.0% | $145,877+42.7% |
| Participation rate | 63.6% | 87.5%-23.9pp | 86.8%-23.2pp | 80.3%-16.7pp |
| Annual return | 16.72% | 29.01%-12.3pp | 28.82%-12.1pp | 551.28%-534.6pp |
| Employer contribution / active EE | $1,926 | $7,022-72.6% | $6,427-70.0% | $4,663-58.7% |
| Participant deferral / active EE | $8,092 | $9,807-17.5% | $9,132-11.4% | $6,691+20.9% |
| Admin fee / account holder | $11,527 | $16,382-29.6% | $13,914-17.1% | $13,402-14.0% |