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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 | $180,196 | $88,203+104.3% | $165,100+9.1% | $74,478+141.9% |
| Participation rate | 54.8% | 73.1%-18.3pp | 78.6%-23.8pp | 67.2%-12.4pp |
| Annual return | 18.09% | 17.13%+1.0pp | 70.21%-52.1pp | 1370.56%-1352.5pp |
| Employer contribution / active EE | $1,336 | $2,601-48.6% | $4,348-69.3% | $2,626-49.1% |
| Participant deferral / active EE | $4,288 | $4,505-4.8% | $6,035-29.0% | $4,350-1.4% |
| Admin fee / account holder | $3,327 | $2,235+48.9% | $12,696-73.8% | $1,946+71.0% |