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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 | $168,615 | $160,040+5.4% | $147,096+14.6% | $145,877+15.6% |
| Participation rate | 28.6% | 84.0%-55.4pp | 82.2%-53.6pp | 80.3%-51.7pp |
| Annual return | 11.18% | 98.49%-87.3pp | 419.75%-408.6pp | 551.28%-540.1pp |
| Employer contribution / active EE | $1,868 | $5,289-64.7% | $4,936-62.2% | $4,663-59.9% |
| Participant deferral / active EE | $5,267 | $8,429-37.5% | $8,071-34.7% | $6,691-21.3% |
| Admin fee / account holder | $58,722 | $15,050+290.2% | $13,005+351.5% | $13,402+338.2% |