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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 | $158,871 | $91,179+74.2% | $178,499-11.0% | $79,852+99.0% |
| Participation rate | 57.1% | 69.2%-12.1pp | 81.9%-24.8pp | 69.6%-12.5pp |
| Annual return | 10.79% | 24.19%-13.4pp | 151.10%-140.3pp | 31.72%-20.9pp |
| Employer contribution / active EE | $2,442 | $3,256-25.0% | $5,011-51.3% | $2,471-1.2% |
| Participant deferral / active EE | $5,548 | $3,236+71.5% | $5,202+6.7% | $3,740+48.3% |
| Admin fee / account holder | $20,036 | $6,749+196.9% | $13,986+43.3% | $5,306+277.6% |