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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 | $101,716 | $108,911-6.6% | $100,392+1.3% | $145,884-30.3% |
| Participation rate | 61.5% | 83.0%-21.4pp | 81.5%-20.0pp | 80.3%-18.8pp |
| Annual return | 15.47% | 58.23%-42.8pp | 49.45%-34.0pp | 551.85%-536.4pp |
| Employer contribution / active EE | $6,791 | $4,420+53.6% | $3,941+72.3% | $4,662+45.7% |
| Participant deferral / active EE | $11,965 | $8,459+41.5% | $8,090+47.9% | $6,690+78.9% |
| Admin fee / account holder | $1,252 | $9,698-87.1% | $7,904-84.2% | $13,392-90.7% |