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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 | $121,170 | $111,830+8.4% | $93,696+29.3% | $145,884-16.9% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 9.15% | 204.08%-194.9pp | 133.74%-124.6pp | 551.85%-542.7pp |
| Employer contribution / active EE | $1,793 | $3,093-42.0% | $2,422-26.0% | $4,662-61.5% |
| Participant deferral / active EE | $1,793 | $4,920-63.6% | $4,417-59.4% | $6,690-73.2% |
| Admin fee / account holder | $1,598 | $10,249-84.4% | $8,287-80.7% | $13,392-88.1% |