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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 | $132,421 | $111,785+18.5% | $93,669+41.4% | $145,877-9.2% |
| Participation rate | 26.3% | 74.2%-47.9pp | 68.7%-42.4pp | 80.3%-54.0pp |
| Annual return | 17.51% | 203.79%-186.3pp | 133.59%-116.1pp | 551.28%-533.8pp |
| Employer contribution / active EE | $987 | $3,096-68.1% | $2,424-59.3% | $4,663-78.8% |
| Participant deferral / active EE | $3,341 | $4,919-32.1% | $4,416-24.3% | $6,691-50.1% |
| Admin fee / account holder | $2,406 | $10,256-76.5% | $8,291-71.0% | $13,402-82.0% |