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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 | $82,828 | $65,566+26.3% | $86,235-4.0% | $75,177+10.2% |
| Participation rate | 60.8% | 60.5%+0.3pp | 69.0%-8.1pp | 67.2%-6.4pp |
| Annual return | 14.55% | 46.07%-31.5pp | 1170.03%-1155.5pp | 160.75%-146.2pp |
| Employer contribution / active EE | $1,272 | $1,553-18.1% | $2,381-46.6% | $2,671-52.4% |
| Participant deferral / active EE | $3,317 | $3,023+9.7% | $3,987-16.8% | $4,126-19.6% |
| Admin fee / account holder | $4,349 | $5,470-20.5% | $6,856-36.6% | $5,651-23.0% |