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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 | $102,385+1.9% | $147,080-29.1% | $80,935+28.8% |
| Participation rate | 67.1% | 75.9%-8.7pp | 82.2%-15.0pp | 67.7%-0.5pp |
| Annual return | 15.58% | 135.09%-119.5pp | 420.17%-404.6pp | 35.66%-20.1pp |
| Employer contribution / active EE | $2,576 | $3,717-30.7% | $4,933-47.8% | $2,757-6.5% |
| Participant deferral / active EE | $6,577 | $6,651-1.1% | $8,066-18.5% | $4,299+53.0% |
| Admin fee / account holder | $23,200 | $7,951+191.8% | $12,989+78.6% | $6,924+235.1% |