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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 | $133,503 | $102,429+30.3% | $147,096-9.2% | $80,925+65.0% |
| Participation rate | 63.6% | 75.9%-12.2pp | 82.2%-18.5pp | 67.7%-4.0pp |
| Annual return | 16.64% | 135.02%-118.4pp | 419.75%-403.1pp | 35.65%-19.0pp |
| Employer contribution / active EE | $2,102 | $3,716-43.4% | $4,936-57.4% | $2,756-23.7% |
| Participant deferral / active EE | $4,935 | $6,649-25.8% | $8,071-38.9% | $4,299+14.8% |
| Admin fee / account holder | $4,208 | $7,957-47.1% | $13,005-67.6% | $6,940-39.4% |