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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 | $177,653 | $209,425-15.2% | $178,499-0.5% | $158,966+11.8% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 12.46% | 188.80%-176.3pp | 151.10%-138.6pp | 302.95%-290.5pp |
| Employer contribution / active EE | $4,748 | $5,707-16.8% | $5,011-5.3% | $4,762-0.3% |
| Participant deferral / active EE | $6,765 | $5,955+13.6% | $5,202+30.0% | $5,983+13.1% |
| Admin fee / account holder | $1,702 | $17,078-90.0% | $13,986-87.8% | $11,250-84.9% |