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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 | $132,047 | $144,130-8.4% | $117,861+12.0% | $147,586-10.5% |
| Participation rate | 60.0% | 83.4%-23.4pp | 79.7%-19.7pp | 82.8%-22.8pp |
| Annual return | 12.79% | 531.20%-518.4pp | 335.11%-322.3pp | 578.59%-565.8pp |
| Employer contribution / active EE | $1,298 | $4,897-73.5% | $3,786-65.7% | $4,876-73.4% |
| Participant deferral / active EE | $5,622 | $5,316+5.8% | $4,482+25.4% | $5,439+3.4% |
| Admin fee / account holder | $1,802 | $10,887-83.5% | $8,021-77.5% | $10,886-83.4% |