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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 | $192,861 | $115,225+67.4% | $100,712+91.5% | $138,895+38.9% |
| Participation rate | 63.6% | 74.3%-10.7pp | 69.3%-5.6pp | 79.9%-16.3pp |
| Annual return | 19.37% | 40.35%-21.0pp | 33.27%-13.9pp | 145.39%-126.0pp |
| Employer contribution / active EE | $4,451 | $2,771+60.6% | $2,313+92.5% | $4,194+6.1% |
| Participant deferral / active EE | $5,516 | $4,699+17.4% | $4,085+35.0% | $6,396-13.8% |
| Admin fee / account holder | $1,519 | $10,844-86.0% | $9,256-83.6% | $12,562-87.9% |