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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 | $147,305 | $125,193+17.7% | $105,591+39.5% | $145,978+0.9% |
| Participation rate | 40.0% | 77.6%-37.6pp | 75.3%-35.3pp | 80.3%-40.3pp |
| Annual return | 9.53% | 225.53%-216.0pp | 116.43%-106.9pp | 550.52%-541.0pp |
| Employer contribution / active EE | $2,628 | $3,718-29.3% | $3,166-17.0% | $4,662-43.6% |
| Participant deferral / active EE | $3,317 | $5,708-41.9% | $5,008-33.8% | $6,690-50.4% |
| Admin fee / account holder | $706 | $17,277-95.9% | $11,024-93.6% | $13,400-94.7% |