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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 | $166,242+5.7% | $165,071+6.4% | $145,884+20.4% |
| Participation rate | 44.4% | 82.0%-37.6pp | 78.6%-34.2pp | 80.3%-35.9pp |
| Annual return | 19.71% | 100.44%-80.7pp | 70.17%-50.5pp | 551.85%-532.1pp |
| Employer contribution / active EE | $3,140 | $5,283-40.6% | $4,347-27.8% | $4,662-32.6% |
| Participant deferral / active EE | $6,382 | $6,964-8.4% | $6,035+5.7% | $6,690-4.6% |
| Admin fee / account holder | $1,849 | $16,658-88.9% | $12,695-85.4% | $13,392-86.2% |