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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 | $168,335 | $162,821+3.4% | $133,978+25.6% | $158,982+5.9% |
| Participation rate | 55.0% | 83.2%-28.2pp | 79.8%-24.8pp | 82.0%-27.0pp |
| Annual return | 16.39% | 41.95%-25.6pp | 45.10%-28.7pp | 302.99%-286.6pp |
| Employer contribution / active EE | $1,475 | $4,976-70.4% | $3,919-62.4% | $4,763-69.0% |
| Participant deferral / active EE | $3,112 | $5,910-47.3% | $5,047-38.3% | $5,983-48.0% |
| Admin fee / account holder | $22,854 | $11,742+94.6% | $8,930+155.9% | $11,252+103.1% |