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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 | $100,849 | $106,008-4.9% | $92,240+9.3% | $147,586-31.7% |
| Participation rate | 69.6% | 80.4%-10.8pp | 76.5%-6.9pp | 82.8%-13.3pp |
| Annual return | 11.57% | 50.05%-38.5pp | 176.29%-164.7pp | 578.59%-567.0pp |
| Employer contribution / active EE | $2,174 | $4,333-49.8% | $3,680-40.9% | $4,876-55.4% |
| Participant deferral / active EE | $1,706 | $4,478-61.9% | $3,897-56.2% | $5,439-68.6% |
| Admin fee / account holder | $3,893 | $6,333-38.5% | $5,194-25.0% | $10,886-64.2% |