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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 | $129,689 | $105,200+23.3% | $159,474-18.7% | $85,847+51.1% |
| Participation rate | 64.1% | 75.8%-11.7pp | 82.8%-18.7pp | 69.3%-5.2pp |
| Annual return | 14.80% | 45.08%-30.3pp | 263.68%-248.9pp | 318.61%-303.8pp |
| Employer contribution / active EE | $1,851 | $3,319-44.2% | $4,831-61.7% | $2,565-27.8% |
| Participant deferral / active EE | $3,896 | $5,946-34.5% | $7,353-47.0% | $3,952-1.4% |
| Admin fee / account holder | $12,306 | $6,934+77.5% | $10,802+13.9% | $6,261+96.6% |