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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 | $175,677 | $166,268+5.7% | $165,100+6.4% | $145,897+20.4% |
| Participation rate | 44.4% | 82.0%-37.6pp | 78.6%-34.2pp | 80.3%-35.9pp |
| Annual return | 19.71% | 100.52%-80.8pp | 70.21%-50.5pp | 552.29%-532.6pp |
| Employer contribution / active EE | $3,140 | $5,284-40.6% | $4,348-27.8% | $4,663-32.6% |
| Participant deferral / active EE | $6,382 | $6,964-8.4% | $6,035+5.7% | $6,689-4.6% |
| Admin fee / account holder | $1,849 | $16,659-88.9% | $12,696-85.4% | $13,390-86.2% |