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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 | $244,833 | $185,312+32.1% | $161,489+51.6% | $154,746+58.2% |
| Participation rate | 40.0% | 82.5%-42.5pp | 78.7%-38.7pp | 80.7%-40.7pp |
| Annual return | 14.22% | 103.84%-89.6pp | 89.72%-75.5pp | 172.34%-158.1pp |
| Employer contribution / active EE | $2,162 | $4,769-54.7% | $4,268-49.3% | $4,379-50.6% |
| Participant deferral / active EE | $6,065 | $6,350-4.5% | $5,630+7.7% | $6,730-9.9% |
| Admin fee / account holder | $3,210 | $18,654-82.8% | $16,006-79.9% | $14,365-77.7% |