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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 | $75,434 | $90,614-16.8% | $76,089-0.9% | $145,877-48.3% |
| Participation rate | 63.6% | 74.5%-10.9pp | 69.1%-5.5pp | 80.3%-16.7pp |
| Annual return | 10.96% | 623.80%-612.8pp | 360.94%-350.0pp | 551.28%-540.3pp |
| Employer contribution / active EE | $2,800 | $3,324-15.8% | $2,690+4.1% | $4,663-39.9% |
| Participant deferral / active EE | $5,134 | $5,168-0.7% | $4,259+20.5% | $6,691-23.3% |
| Admin fee / account holder | $5,215 | $8,376-37.7% | $6,418-18.7% | $13,402-61.1% |