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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 | $177,079 | $201,372-12.1% | $184,260-3.9% | $145,884+21.4% |
| Participation rate | 63.6% | 87.5%-23.9pp | 86.8%-23.2pp | 80.3%-16.7pp |
| Annual return | 13.65% | 29.04%-15.4pp | 28.84%-15.2pp | 551.85%-538.2pp |
| Employer contribution / active EE | $2,615 | $7,024-62.8% | $6,427-59.3% | $4,662-43.9% |
| Participant deferral / active EE | $7,916 | $9,808-19.3% | $9,133-13.3% | $6,690+18.3% |
| Admin fee / account holder | $90,944 | $16,362+455.8% | $13,898+554.4% | $13,392+579.1% |