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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 | $165,725 | $154,209+7.5% | $130,062+27.4% | $139,487+18.8% |
| Participation rate | 57.1% | 82.0%-24.8pp | 78.5%-21.4pp | 80.3%-23.2pp |
| Annual return | 12.89% | 32.52%-19.6pp | -137.37%+150.3pp | 373.84%-361.0pp |
| Employer contribution / active EE | $2,633 | $5,292-50.2% | $4,322-39.1% | $4,755-44.6% |
| Participant deferral / active EE | $5,596 | $6,709-16.6% | $5,821-3.9% | $6,713-16.6% |
| Admin fee / account holder | $1,671 | $13,988-88.1% | $10,601-84.2% | $11,407-85.4% |