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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 | $151,874 | $183,539-17.3% | $155,556-2.4% | $145,897+4.1% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 9.70% | 61.31%-51.6pp | 64.84%-55.1pp | 552.29%-542.6pp |
| Employer contribution / active EE | $2,670 | $5,315-49.8% | $4,675-42.9% | $4,663-42.7% |
| Participant deferral / active EE | $7,859 | $6,467+21.5% | $5,631+39.6% | $6,689+17.5% |
| Admin fee / account holder | $28,465 | $19,275+47.7% | $15,885+79.2% | $13,390+112.6% |