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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 | $149,497 | $183,592-18.6% | $155,567-3.9% | $145,959+2.4% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 15.84% | 61.24%-45.4pp | 64.74%-48.9pp | 561.95%-546.1pp |
| Employer contribution / active EE | $5,034 | $5,315-5.3% | $4,674+7.7% | $4,661+8.0% |
| Participant deferral / active EE | $16,500 | $6,464+155.3% | $5,628+193.2% | $6,689+146.7% |
| Admin fee / account holder | $1,158 | $19,318-94.0% | $15,916-92.7% | $13,398-91.4% |