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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 | $167,347 | $162,529+3.0% | $130,788+28.0% | $154,746+8.1% |
| Participation rate | 57.1% | 75.9%-18.7pp | 70.1%-13.0pp | 80.7%-23.6pp |
| Annual return | 8.28% | 510.48%-502.2pp | 386.44%-378.2pp | 172.34%-164.1pp |
| Employer contribution / active EE | $2,059 | $4,447-53.7% | $3,558-42.1% | $4,379-53.0% |
| Participant deferral / active EE | $4,389 | $4,808-8.7% | $4,137+6.1% | $6,730-34.8% |
| Admin fee / account holder | $8,314 | $7,669+8.4% | $6,673+24.6% | $14,365-42.1% |