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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 | $206,785 | $185,312+11.6% | $161,489+28.0% | $154,746+33.6% |
| Participation rate | 37.5% | 82.5%-45.0pp | 78.7%-41.2pp | 80.7%-43.2pp |
| Annual return | 14.80% | 103.84%-89.0pp | 89.72%-74.9pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,110 | $4,769-55.8% | $4,268-50.6% | $4,379-51.8% |
| Participant deferral / active EE | $5,088 | $6,350-19.9% | $5,630-9.6% | $6,730-24.4% |
| Admin fee / account holder | $3,833 | $18,654-79.5% | $16,006-76.1% | $14,365-73.3% |