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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 | $131,929 | $111,535+18.3% | $105,223+25.4% | $137,256-3.9% |
| Participation rate | 56.5% | 78.1%-21.6pp | 75.0%-18.5pp | 80.0%-23.4pp |
| Annual return | 19.71% | 237.85%-218.1pp | 180.65%-160.9pp | 220.34%-200.6pp |
| Employer contribution / active EE | $2,231 | $3,939-43.4% | $3,689-39.5% | $4,156-46.3% |
| Participant deferral / active EE | $4,461 | $5,500-18.9% | $5,072-12.0% | $6,407-30.4% |
| Admin fee / account holder | $41,544 | $9,721+327.3% | $8,859+369.0% | $12,270+238.6% |