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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 | $114,833 | $112,935+1.7% | $90,970+26.2% | $158,966-27.8% |
| Participation rate | 41.7% | 74.7%-33.1pp | 69.0%-27.3pp | 82.0%-40.3pp |
| Annual return | 10.81% | 215.79%-205.0pp | 134.58%-123.8pp | 302.95%-292.1pp |
| Employer contribution / active EE | $686 | $2,895-76.3% | $2,122-67.7% | $4,762-85.6% |
| Participant deferral / active EE | $1,714 | $4,129-58.5% | $3,373-49.2% | $5,983-71.4% |
| Admin fee / account holder | $11,820 | $8,045+46.9% | $5,960+98.3% | $11,250+5.1% |