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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 | $118,069 | $111,830+5.6% | $93,696+26.0% | $145,884-19.1% |
| Participation rate | 60.9% | 74.2%-13.4pp | 68.7%-7.9pp | 80.3%-19.4pp |
| Annual return | 8.03% | 204.08%-196.0pp | 133.74%-125.7pp | 551.85%-543.8pp |
| Employer contribution / active EE | $2,865 | $3,093-7.4% | $2,422+18.3% | $4,662-38.6% |
| Participant deferral / active EE | $7,509 | $4,920+52.6% | $4,417+70.0% | $6,690+12.2% |
| Admin fee / account holder | $54,754 | $10,249+434.2% | $8,287+560.8% | $13,392+308.9% |