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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 | $174,379+2.7% | $152,093+17.8% | $138,895+29.0% |
| Participation rate | 60.0% | 81.6%-21.6pp | 77.8%-17.8pp | 79.9%-19.9pp |
| Annual return | 13.35% | 74.86%-61.5pp | 66.36%-53.0pp | 145.39%-132.0pp |
| Employer contribution / active EE | $4,214 | $4,652-9.4% | $4,175+0.9% | $4,194+0.5% |
| Participant deferral / active EE | $7,711 | $6,159+25.2% | $5,451+41.4% | $6,396+20.6% |
| Admin fee / account holder | $1,559 | $16,880-90.8% | $14,497-89.2% | $12,562-87.6% |