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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 | $108,933 | $96,678+12.7% | $86,640+25.7% | $139,466-21.9% |
| Participation rate | 20.0% | 74.4%-54.4pp | 71.7%-51.7pp | 80.3%-60.3pp |
| Annual return | 13.54% | 106.69%-93.2pp | 592.52%-579.0pp | 373.66%-360.1pp |
| Employer contribution / active EE | $1,132 | $3,265-65.3% | $3,024-62.6% | $4,754-76.2% |
| Participant deferral / active EE | $4,500 | $4,837-7.0% | $4,438+1.4% | $6,712-33.0% |
| Admin fee / account holder | $916 | $6,410-85.7% | $5,616-83.7% | $11,409-92.0% |