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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 | $109,745 | $160,028-31.4% | $147,080-25.4% | $145,884-24.8% |
| Participation rate | 53.8% | 84.0%-30.2pp | 82.2%-28.3pp | 80.3%-26.5pp |
| Annual return | 101.45% | 98.60%+2.9pp | 420.17%-318.7pp | 551.85%-450.4pp |
| Employer contribution / active EE | $3,023 | $5,286-42.8% | $4,933-38.7% | $4,662-35.2% |
| Participant deferral / active EE | $7,751 | $8,422-8.0% | $8,066-3.9% | $6,690+15.9% |
| Admin fee / account holder | $6,313 | $15,030-58.0% | $12,989-51.4% | $13,392-52.9% |