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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 | $171,004 | $176,120-2.9% | $159,487+7.2% | $167,553+2.1% |
| Participation rate | 54.2% | 85.0%-30.8pp | 82.8%-28.7pp | 82.1%-27.9pp |
| Annual return | 12.94% | 331.95%-319.0pp | 263.71%-250.8pp | 478.89%-466.0pp |
| Employer contribution / active EE | $5,233 | $5,299-1.2% | $4,831+8.3% | $4,840+8.1% |
| Participant deferral / active EE | $9,218 | $7,752+18.9% | $7,354+25.4% | $6,343+45.3% |
| Admin fee / account holder | $8,362 | $12,561-33.4% | $10,804-22.6% | $12,316-32.1% |