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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 | $149,201 | $102,385+45.7% | $147,080+1.4% | $80,935+84.3% |
| Participation rate | 56.0% | 75.9%-19.9pp | 82.2%-26.2pp | 67.7%-11.7pp |
| Annual return | 18.61% | 135.09%-116.5pp | 420.17%-401.6pp | 35.66%-17.0pp |
| Employer contribution / active EE | $2,630 | $3,717-29.2% | $4,933-46.7% | $2,757-4.6% |
| Participant deferral / active EE | $5,919 | $6,651-11.0% | $8,066-26.6% | $4,299+37.7% |
| Admin fee / account holder | $579 | $7,951-92.7% | $12,989-95.5% | $6,924-91.6% |