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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 | $162,529-13.6% | $130,788+7.4% | $154,746-9.2% |
| Participation rate | 62.5% | 75.9%-13.4pp | 70.1%-7.6pp | 80.7%-18.2pp |
| Annual return | 16.21% | 510.48%-494.3pp | 386.44%-370.2pp | 172.34%-156.1pp |
| Employer contribution / active EE | $1,468 | $4,447-67.0% | $3,558-58.7% | $4,379-66.5% |
| Participant deferral / active EE | $5,656 | $4,808+17.6% | $4,137+36.7% | $6,730-16.0% |
| Admin fee / account holder | $794 | $7,669-89.6% | $6,673-88.1% | $14,365-94.5% |