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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 | $145,775 | $175,259-16.8% | $149,723-2.6% | $139,487+4.5% |
| Participation rate | 62.5% | 83.4%-20.9pp | 78.8%-16.3pp | 80.3%-17.8pp |
| Annual return | 17.92% | 166.82%-148.9pp | 134.50%-116.6pp | 373.84%-355.9pp |
| Employer contribution / active EE | $2,264 | $5,478-58.7% | $4,821-53.0% | $4,755-52.4% |
| Participant deferral / active EE | $6,807 | $6,522+4.4% | $5,682+19.8% | $6,713+1.4% |
| Admin fee / account holder | $896 | $16,158-94.5% | $13,215-93.2% | $11,407-92.1% |