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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 | $149,282 | $77,920+91.6% | $149,723-0.3% | $75,177+98.6% |
| Participation rate | 62.5% | 65.6%-3.1pp | 78.8%-16.3pp | 67.2%-4.7pp |
| Annual return | 15.65% | 31.72%-16.1pp | 134.50%-118.8pp | 160.75%-145.1pp |
| Employer contribution / active EE | $2,576 | $3,138-17.9% | $4,821-46.6% | $2,671-3.5% |
| Participant deferral / active EE | $3,062 | $3,411-10.2% | $5,682-46.1% | $4,126-25.8% |
| Admin fee / account holder | $46,425 | $5,951+680.2% | $13,215+251.3% | $5,651+721.5% |