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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 | $179,161 | $172,111+4.1% | $150,298+19.2% | $137,256+30.5% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 13.35% | 69.37%-56.0pp | 62.79%-49.4pp | 220.34%-207.0pp |
| Employer contribution / active EE | $4,214 | $4,636-9.1% | $4,154+1.4% | $4,156+1.4% |
| Participant deferral / active EE | $7,711 | $6,166+25.1% | $5,453+41.4% | $6,407+20.4% |
| Admin fee / account holder | $1,559 | $16,471-90.5% | $14,116-89.0% | $12,270-87.3% |