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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 | $201,344-12.1% | $184,243-3.9% | $145,877+21.4% |
| Participation rate | 63.6% | 87.5%-23.9pp | 86.8%-23.2pp | 80.3%-16.7pp |
| Annual return | 13.65% | 29.01%-15.4pp | 28.82%-15.2pp | 551.28%-537.6pp |
| Employer contribution / active EE | $2,615 | $7,022-62.8% | $6,427-59.3% | $4,663-43.9% |
| Participant deferral / active EE | $7,916 | $9,807-19.3% | $9,132-13.3% | $6,691+18.3% |
| Admin fee / account holder | $90,944 | $16,382+455.1% | $13,914+553.6% | $13,402+578.6% |