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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 | $227,554 | $156,398+45.5% | $147,318+54.5% | $138,895+63.8% |
| Participation rate | 64.3% | 83.8%-19.5pp | 82.1%-17.8pp | 79.9%-15.6pp |
| Annual return | 20.40% | 78.75%-58.3pp | 70.43%-50.0pp | 145.39%-125.0pp |
| Employer contribution / active EE | $929 | $4,853-80.9% | $4,593-79.8% | $4,194-77.8% |
| Participant deferral / active EE | $2,664 | $8,237-67.7% | $7,906-66.3% | $6,396-58.4% |
| Admin fee / account holder | $13,226 | $14,976-11.7% | $13,708-3.5% | $12,562+5.3% |