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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 | $174,074 | $227,633-23.5% | $189,597-8.2% | $167,553+3.9% |
| Participation rate | 64.3% | 82.5%-18.2pp | 78.4%-14.2pp | 82.1%-17.8pp |
| Annual return | 15.52% | 78.45%-62.9pp | 64.20%-48.7pp | 478.89%-463.4pp |
| Employer contribution / active EE | $3,019 | $5,317-43.2% | $4,412-31.6% | $4,840-37.6% |
| Participant deferral / active EE | $7,227 | $7,003+3.2% | $6,174+17.1% | $6,343+13.9% |
| Admin fee / account holder | $4,260 | $11,879-64.1% | $9,807-56.6% | $12,316-65.4% |