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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 | $149,349 | $183,627-18.7% | $155,602-4.0% | $145,978+2.3% |
| Participation rate | 61.5% | 82.7%-21.2pp | 78.2%-16.7pp | 80.3%-18.8pp |
| Annual return | 15.87% | 61.32%-45.4pp | 64.81%-48.9pp | 550.52%-534.6pp |
| Employer contribution / active EE | $1,657 | $5,316-68.8% | $4,675-64.6% | $4,662-64.5% |
| Participant deferral / active EE | $5,685 | $6,466-12.1% | $5,629+1.0% | $6,690-15.0% |
| Admin fee / account holder | $3,321 | $19,327-82.8% | $15,923-79.1% | $13,400-75.2% |