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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 | $190,512 | $165,361+15.2% | $149,715+27.2% | $158,950+19.9% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 12.66% | 348.24%-335.6pp | 276.66%-264.0pp | 302.91%-290.3pp |
| Employer contribution / active EE | $3,440 | $5,103-32.6% | $4,645-25.9% | $4,762-27.8% |
| Participant deferral / active EE | $9,375 | $7,182+30.5% | $6,842+37.0% | $5,983+56.7% |
| Admin fee / account holder | $2,333 | $10,808-78.4% | $9,310-74.9% | $11,248-79.3% |