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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 | $115,664 | $111,830+3.4% | $93,696+23.4% | $145,884-20.7% |
| Participation rate | 44.4% | 74.2%-29.8pp | 68.7%-24.3pp | 80.3%-35.9pp |
| Annual return | 13.28% | 204.08%-190.8pp | 133.74%-120.5pp | 551.85%-538.6pp |
| Employer contribution / active EE | $870 | $3,093-71.9% | $2,422-64.1% | $4,662-81.3% |
| Participant deferral / active EE | $3,091 | $4,920-37.2% | $4,417-30.0% | $6,690-53.8% |
| Admin fee / account holder | $549 | $10,249-94.6% | $8,287-93.4% | $13,392-95.9% |