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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 | $172,632 | $159,934+7.9% | $147,005+17.4% | $145,959+18.3% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 12.87% | 98.24%-85.4pp | 418.76%-405.9pp | 561.95%-549.1pp |
| Employer contribution / active EE | $1,831 | $5,287-65.4% | $4,934-62.9% | $4,661-60.7% |
| Participant deferral / active EE | $7,275 | $8,427-13.7% | $8,070-9.8% | $6,689+8.8% |
| Admin fee / account holder | $789 | $15,053-94.8% | $13,006-93.9% | $13,398-94.1% |