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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 | $119,660 | $144,130-17.0% | $117,861+1.5% | $147,586-18.9% |
| Participation rate | 43.8% | 83.4%-39.7pp | 79.7%-35.9pp | 82.8%-39.1pp |
| Annual return | 13.79% | 531.20%-517.4pp | 335.11%-321.3pp | 578.59%-564.8pp |
| Employer contribution / active EE | $1,202 | $4,897-75.5% | $3,786-68.3% | $4,876-75.3% |
| Participant deferral / active EE | $2,519 | $5,316-52.6% | $4,482-43.8% | $5,439-53.7% |
| Admin fee / account holder | $637 | $10,887-94.1% | $8,021-92.1% | $10,886-94.1% |