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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 | $55,437+179.4% | $155,534-0.4% | $74,459+108.0% |
| Participation rate | 43.3% | 61.9%-18.6pp | 78.2%-34.9pp | 67.2%-23.9pp |
| Annual return | 16.56% | 269.58%-253.0pp | 64.92%-48.4pp | 1369.70%-1353.1pp |
| Employer contribution / active EE | $2,411 | $2,266+6.4% | $4,675-48.4% | $2,626-8.2% |
| Participant deferral / active EE | $5,821 | $2,837+105.1% | $5,630+3.4% | $4,350+33.8% |
| Admin fee / account holder | $1,808 | $1,742+3.8% | $15,900-88.6% | $1,945-7.0% |