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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 | $166,131+5.7% | $164,975+6.5% | $145,877+20.4% |
| Participation rate | 44.4% | 82.0%-37.6pp | 78.6%-34.2pp | 80.3%-35.9pp |
| Annual return | 19.71% | 100.37%-80.7pp | 70.12%-50.4pp | 551.28%-531.6pp |
| Employer contribution / active EE | $3,140 | $5,276-40.5% | $4,343-27.7% | $4,663-32.7% |
| Participant deferral / active EE | $6,382 | $6,962-8.3% | $6,033+5.8% | $6,691-4.6% |
| Admin fee / account holder | $1,849 | $16,648-88.9% | $12,688-85.4% | $13,402-86.2% |