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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 | $104,283 | $102,429+1.8% | $147,096-29.1% | $80,925+28.9% |
| Participation rate | 67.1% | 75.9%-8.7pp | 82.2%-15.0pp | 67.7%-0.5pp |
| Annual return | 15.58% | 135.02%-119.4pp | 419.75%-404.2pp | 35.65%-20.1pp |
| Employer contribution / active EE | $2,576 | $3,716-30.7% | $4,936-47.8% | $2,756-6.5% |
| Participant deferral / active EE | $6,577 | $6,649-1.1% | $8,071-18.5% | $4,299+53.0% |
| Admin fee / account holder | $23,200 | $7,957+191.6% | $13,005+78.4% | $6,940+234.3% |