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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 | $195,158 | $154,228+26.5% | $145,433+34.2% | $137,256+42.2% |
| Participation rate | 57.1% | 83.8%-26.6pp | 82.1%-25.0pp | 80.0%-22.8pp |
| Annual return | 19.40% | 74.59%-55.2pp | 66.58%-47.2pp | 220.34%-200.9pp |
| Employer contribution / active EE | $6,382 | $4,804+32.9% | $4,554+40.1% | $4,156+53.6% |
| Participant deferral / active EE | $5,888 | $8,216-28.3% | $7,897-25.4% | $6,407-8.1% |
| Admin fee / account holder | $1,347 | $14,344-90.6% | $13,129-89.7% | $12,270-89.0% |