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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 | $166,131+5.2% | $164,975+5.9% | $145,877+19.8% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 18.22% | 100.37%-82.1pp | 70.12%-51.9pp | 551.28%-533.1pp |
| Employer contribution / active EE | $2,267 | $5,276-57.0% | $4,343-47.8% | $4,663-51.4% |
| Participant deferral / active EE | $6,855 | $6,962-1.5% | $6,033+13.6% | $6,691+2.5% |
| Admin fee / account holder | $1,138 | $16,648-93.2% | $12,688-91.0% | $13,402-91.5% |