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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 | $137,578 | $111,814+23.0% | $103,374+33.1% | $145,959-5.7% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 37.82% | 24.77%+13.0pp | 24.89%+12.9pp | 561.95%-524.1pp |
| Employer contribution / active EE | $2,286 | $4,214-45.8% | $3,869-40.9% | $4,661-51.0% |
| Participant deferral / active EE | $12,851 | $5,618+128.7% | $5,058+154.1% | $6,689+92.1% |
| Admin fee / account holder | $421 | $9,754-95.7% | $8,394-95.0% | $13,398-96.9% |