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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 | $183,516-18.5% | $155,534-3.9% | $145,884+2.5% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 15.84% | 61.43%-45.6pp | 64.92%-49.1pp | 551.85%-536.0pp |
| Employer contribution / active EE | $5,034 | $5,315-5.3% | $4,675+7.7% | $4,662+8.0% |
| Participant deferral / active EE | $16,500 | $6,467+155.2% | $5,630+193.1% | $6,690+146.7% |
| Admin fee / account holder | $1,158 | $19,293-94.0% | $15,900-92.7% | $13,392-91.4% |