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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 | $168,954 | $160,040+5.6% | $147,096+14.9% | $145,877+15.8% |
| Participation rate | 56.3% | 84.0%-27.8pp | 82.2%-25.9pp | 80.3%-24.1pp |
| Annual return | 36.38% | 98.49%-62.1pp | 419.75%-383.4pp | 551.28%-514.9pp |
| Employer contribution / active EE | $1,943 | $5,289-63.3% | $4,936-60.6% | $4,663-58.3% |
| Participant deferral / active EE | $6,945 | $8,429-17.6% | $8,071-13.9% | $6,691+3.8% |
| Admin fee / account holder | $4,898 | $15,050-67.5% | $13,005-62.3% | $13,402-63.5% |