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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 | $140,930 | $102,385+37.6% | $147,080-4.2% | $80,935+74.1% |
| Participation rate | 68.2% | 75.9%-7.7pp | 82.2%-14.0pp | 67.7%+0.5pp |
| Annual return | 14.13% | 135.09%-121.0pp | 420.17%-406.0pp | 35.66%-21.5pp |
| Employer contribution / active EE | $3,200 | $3,717-13.9% | $4,933-35.1% | $2,757+16.1% |
| Participant deferral / active EE | $9,390 | $6,651+41.2% | $8,066+16.4% | $4,299+118.4% |
| Admin fee / account holder | $3,174 | $7,951-60.1% | $12,989-75.6% | $6,924-54.2% |