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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 | $116,682 | $106,008+10.1% | $92,240+26.5% | $147,586-20.9% |
| Participation rate | 47.6% | 80.4%-32.8pp | 76.5%-28.9pp | 82.8%-35.2pp |
| Annual return | 13.74% | 50.05%-36.3pp | 176.29%-162.6pp | 578.59%-564.9pp |
| Employer contribution / active EE | $719 | $4,333-83.4% | $3,680-80.5% | $4,876-85.3% |
| Participant deferral / active EE | $1,671 | $4,478-62.7% | $3,897-57.1% | $5,439-69.3% |
| Admin fee / account holder | $540 | $6,333-91.5% | $5,194-89.6% | $10,886-95.0% |