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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 | $102,429+15.5% | $147,096-19.5% | $80,925+46.3% |
| Participation rate | 56.6% | 75.9%-19.3pp | 82.2%-25.6pp | 67.7%-11.1pp |
| Annual return | 15.67% | 135.02%-119.4pp | 419.75%-404.1pp | 35.65%-20.0pp |
| Employer contribution / active EE | $1,957 | $3,716-47.3% | $4,936-60.3% | $2,756-29.0% |
| Participant deferral / active EE | $4,535 | $6,649-31.8% | $8,071-43.8% | $4,299+5.5% |
| Admin fee / account holder | $7,193 | $7,957-9.6% | $13,005-44.7% | $6,940+3.6% |