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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 | $174,716 | $166,268+5.1% | $165,100+5.8% | $145,897+19.8% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 18.22% | 100.52%-82.3pp | 70.21%-52.0pp | 552.29%-534.1pp |
| Employer contribution / active EE | $2,267 | $5,284-57.1% | $4,348-47.9% | $4,663-51.4% |
| Participant deferral / active EE | $6,855 | $6,964-1.6% | $6,035+13.6% | $6,689+2.5% |
| Admin fee / account holder | $1,138 | $16,659-93.2% | $12,696-91.0% | $13,390-91.5% |