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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 | $107,831 | $102,385+5.3% | $147,080-26.7% | $80,935+33.2% |
| Participation rate | 50.8% | 75.9%-25.0pp | 82.2%-31.3pp | 67.7%-16.8pp |
| Annual return | 16.28% | 135.09%-118.8pp | 420.17%-403.9pp | 35.66%-19.4pp |
| Employer contribution / active EE | $2,418 | $3,717-34.9% | $4,933-51.0% | $2,757-12.3% |
| Participant deferral / active EE | $9,923 | $6,651+49.2% | $8,066+23.0% | $4,299+130.8% |
| Admin fee / account holder | $11,194 | $7,951+40.8% | $12,989-13.8% | $6,924+61.7% |