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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 | $190,266 | $112,729+68.8% | $98,716+92.7% | $137,256+38.6% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 14.45% | 38.48%-24.0pp | 31.81%-17.4pp | 220.34%-205.9pp |
| Employer contribution / active EE | $2,865 | $2,725+5.1% | $2,279+25.7% | $4,156-31.1% |
| Participant deferral / active EE | $9,936 | $4,640+114.1% | $4,048+145.5% | $6,407+55.1% |
| Admin fee / account holder | $7,862 | $10,129-22.4% | $8,703-9.7% | $12,270-35.9% |