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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 | $180,339 | $87,733+105.6% | $106,555+69.2% | $85,847+110.1% |
| Participation rate | 69.2% | 71.9%-2.7pp | 76.1%-6.9pp | 69.3%-0.1pp |
| Annual return | 13.99% | 21.86%-7.9pp | 26.80%-12.8pp | 318.61%-304.6pp |
| Employer contribution / active EE | $2,372 | $2,073+14.4% | $2,819-15.9% | $2,565-7.5% |
| Participant deferral / active EE | $5,010 | $3,469+44.4% | $4,399+13.9% | $3,952+26.8% |
| Admin fee / account holder | $10,500 | $6,767+55.2% | $7,408+41.7% | $6,261+67.7% |