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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 | $74,104 | $67,823+9.3% | $52,425+41.4% | $137,256-46.0% |
| Participation rate | 66.7% | 63.9%+2.8pp | 55.6%+11.0pp | 80.0%-13.3pp |
| Annual return | 18.39% | 219.11%-200.7pp | 302.12%-283.7pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,688 | $1,163+45.1% | $914+84.6% | $4,156-59.4% |
| Participant deferral / active EE | $4,894 | $2,288+113.9% | $1,790+173.4% | $6,407-23.6% |
| Admin fee / account holder | $1,614 | $2,844-43.3% | $2,495-35.3% | $12,270-86.8% |