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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 | $190,589 | $148,629+28.2% | $135,982+40.2% | $139,487+36.6% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 14.79% | 79.33%-64.5pp | 68.32%-53.5pp | 373.84%-359.0pp |
| Employer contribution / active EE | $3,281 | $5,247-37.5% | $4,859-32.5% | $4,755-31.0% |
| Participant deferral / active EE | $9,493 | $8,102+17.2% | $7,760+22.3% | $6,713+41.4% |
| Admin fee / account holder | $4,248 | $12,406-65.8% | $10,767-60.5% | $11,407-62.8% |