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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 | $122,403 | $111,830+9.5% | $93,696+30.6% | $145,884-16.1% |
| Participation rate | 40.0% | 74.2%-34.2pp | 68.7%-28.7pp | 80.3%-40.3pp |
| Annual return | 9.87% | 204.08%-194.2pp | 133.74%-123.9pp | 551.85%-542.0pp |
| Employer contribution / active EE | $678 | $3,093-78.1% | $2,422-72.0% | $4,662-85.5% |
| Participant deferral / active EE | $2,622 | $4,920-46.7% | $4,417-40.6% | $6,690-60.8% |
| Admin fee / account holder | $21,847 | $10,249+113.2% | $8,287+163.6% | $13,392+63.1% |