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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 | $221,280 | $181,062+22.2% | $158,223+39.9% | $155,188+42.6% |
| Participation rate | 57.1% | 82.7%-25.5pp | 79.2%-22.1pp | 80.8%-23.7pp |
| Annual return | 13.47% | 57.39%-43.9pp | 52.09%-38.6pp | 148.84%-135.4pp |
| Employer contribution / active EE | $1,423 | $4,565-68.8% | $4,109-65.4% | $4,248-66.5% |
| Participant deferral / active EE | $5,624 | $6,134-8.3% | $5,467+2.9% | $6,531-13.9% |
| Admin fee / account holder | $1,731 | $18,825-90.8% | $16,047-89.2% | $14,480-88.0% |