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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 | $118,355 | $102,382+15.6% | $147,005-19.5% | $80,874+46.3% |
| Participation rate | 56.6% | 75.8%-19.3pp | 82.2%-25.6pp | 67.6%-11.1pp |
| Annual return | 15.67% | 134.89%-119.2pp | 418.76%-403.1pp | 35.62%-20.0pp |
| Employer contribution / active EE | $1,957 | $3,715-47.3% | $4,934-60.3% | $2,756-29.0% |
| Participant deferral / active EE | $4,535 | $6,646-31.8% | $8,070-43.8% | $4,297+5.5% |
| Admin fee / account holder | $7,193 | $7,942-9.4% | $13,006-44.7% | $6,935+3.7% |