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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 | $166,020+5.8% | $164,866+6.6% | $145,959+20.4% |
| Participation rate | 44.4% | 82.0%-37.6pp | 78.6%-34.2pp | 80.3%-35.8pp |
| Annual return | 19.71% | 100.08%-80.4pp | 69.97%-50.3pp | 561.95%-542.2pp |
| Employer contribution / active EE | $3,140 | $5,275-40.5% | $4,343-27.7% | $4,661-32.6% |
| Participant deferral / active EE | $6,382 | $6,961-8.3% | $6,033+5.8% | $6,689-4.6% |
| Admin fee / account holder | $1,849 | $16,644-88.9% | $12,689-85.4% | $13,398-86.2% |