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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 | $104,248 | $107,368-2.9% | $92,915+12.2% | $152,909-31.8% |
| Participation rate | 55.6% | 79.8%-24.2pp | 76.0%-20.4pp | 82.5%-26.9pp |
| Annual return | 21.82% | 145.64%-123.8pp | 109.45%-87.6pp | 345.46%-323.6pp |
| Employer contribution / active EE | $6,581 | $4,222+55.8% | $3,653+80.1% | $4,764+38.1% |
| Participant deferral / active EE | $4,375 | $4,848-9.8% | $4,238+3.2% | $5,851-25.2% |
| Admin fee / account holder | $943 | $7,082-86.7% | $5,796-83.7% | $11,601-91.9% |