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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 | $154,879 | $55,446+179.3% | $155,574-0.4% | $74,429+108.1% |
| Participation rate | 43.3% | 61.9%-18.6pp | 78.2%-34.9pp | 67.2%-23.9pp |
| Annual return | 16.56% | 269.20%-252.6pp | 64.87%-48.3pp | 1368.38%-1351.8pp |
| Employer contribution / active EE | $2,411 | $2,266+6.4% | $4,676-48.4% | $2,625-8.2% |
| Participant deferral / active EE | $5,821 | $2,836+105.2% | $5,629+3.4% | $4,348+33.9% |
| Admin fee / account holder | $1,808 | $1,743+3.7% | $15,914-88.6% | $1,944-7.0% |