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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 | $107,831 | $102,382+5.3% | $147,005-26.6% | $80,874+33.3% |
| Participation rate | 50.8% | 75.8%-25.0pp | 82.2%-31.3pp | 67.6%-16.8pp |
| Annual return | 16.28% | 134.89%-118.6pp | 418.76%-402.5pp | 35.62%-19.3pp |
| Employer contribution / active EE | $2,418 | $3,715-34.9% | $4,934-51.0% | $2,756-12.3% |
| Participant deferral / active EE | $9,923 | $6,646+49.3% | $8,070+23.0% | $4,297+130.9% |
| Admin fee / account holder | $11,194 | $7,942+40.9% | $13,006-13.9% | $6,935+61.4% |