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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 | $124,564 | $109,411+13.8% | $89,435+39.3% | $158,982-21.6% |
| Participation rate | 58.3% | 74.3%-15.9pp | 68.0%-9.7pp | 82.0%-23.6pp |
| Annual return | 16.45% | 345.68%-329.2pp | 245.55%-229.1pp | 302.99%-286.5pp |
| Employer contribution / active EE | $3,136 | $3,173-1.2% | $2,587+21.2% | $4,763-34.2% |
| Participant deferral / active EE | $6,364 | $4,600+38.3% | $3,890+63.6% | $5,983+6.4% |
| Admin fee / account holder | $4,113 | $6,159-33.2% | $4,884-15.8% | $11,252-63.4% |