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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 | $120,453 | $110,039+9.5% | $97,260+23.8% | $145,884-17.4% |
| Participation rate | 54.5% | 75.9%-21.4pp | 72.7%-18.1pp | 80.3%-25.8pp |
| Annual return | 14.20% | 244.44%-230.2pp | 75.54%-61.3pp | 551.85%-537.6pp |
| Employer contribution / active EE | $1,887 | $3,074-38.6% | $2,721-30.6% | $4,662-59.5% |
| Participant deferral / active EE | $5,204 | $4,674+11.4% | $4,262+22.1% | $6,690-22.2% |
| Admin fee / account holder | $982 | $6,204-84.2% | $5,640-82.6% | $13,392-92.7% |