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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 | $150,438 | $168,635-10.8% | $147,617+1.9% | $125,389+20.0% |
| Participation rate | 57.1% | 88.8%-31.6pp | 84.6%-27.5pp | 83.2%-26.0pp |
| Annual return | -2.71% | 77.65%-80.4pp | 61.98%-64.7pp | 282.24%-285.0pp |
| Employer contribution / active EE | $1,606 | $6,252-74.3% | $5,564-71.1% | $4,866-67.0% |
| Participant deferral / active EE | $8,122 | $5,507+47.5% | $4,895+65.9% | $5,352+51.8% |
| Admin fee / account holder | $676 | $13,580-95.0% | $11,612-94.2% | $9,541-92.9% |