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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 | $119,713 | $65,555+82.6% | $86,216+38.9% | $75,173+59.3% |
| Participation rate | 64.2% | 60.5%+3.7pp | 69.0%-4.8pp | 67.2%-3.1pp |
| Annual return | 18.02% | 46.07%-28.0pp | 1169.42%-1151.4pp | 160.72%-142.7pp |
| Employer contribution / active EE | $1,680 | $1,553+8.2% | $2,382-29.4% | $2,671-37.1% |
| Participant deferral / active EE | $3,972 | $3,023+31.4% | $3,986-0.4% | $4,126-3.7% |
| Admin fee / account holder | $28,919 | $5,469+428.8% | $6,853+322.0% | $5,651+411.8% |