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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 | $140,433 | $149,040-5.8% | $120,225+16.8% | $137,256+2.3% |
| Participation rate | 62.5% | 75.4%-12.9pp | 69.6%-7.1pp | 80.0%-17.5pp |
| Annual return | 16.21% | 605.68%-589.5pp | 439.23%-423.0pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,468 | $4,350-66.3% | $3,475-57.8% | $4,156-64.7% |
| Participant deferral / active EE | $5,656 | $4,655+21.5% | $3,999+41.4% | $6,407-11.7% |
| Admin fee / account holder | $794 | $6,348-87.5% | $5,696-86.1% | $12,270-93.5% |