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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 | $161,922 | $175,259-7.6% | $149,723+8.1% | $139,487+16.1% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 12.96% | 166.82%-153.9pp | 134.50%-121.5pp | 373.84%-360.9pp |
| Employer contribution / active EE | $1,369 | $5,478-75.0% | $4,821-71.6% | $4,755-71.2% |
| Participant deferral / active EE | $4,510 | $6,522-30.8% | $5,682-20.6% | $6,713-32.8% |
| Admin fee / account holder | $1,262 | $16,158-92.2% | $13,215-90.5% | $11,407-88.9% |