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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 | $127,558 | $61,125+108.7% | $94,057+35.6% | $87,485+45.8% |
| Participation rate | 46.3% | 64.1%-17.8pp | 73.3%-27.0pp | 68.9%-22.6pp |
| Annual return | 55.42% | 35.20%+20.2pp | 480.62%-425.2pp | 26.06%+29.4pp |
| Employer contribution / active EE | $2,282 | $2,136+6.8% | $2,933-22.2% | $2,596-12.1% |
| Participant deferral / active EE | $3,081 | $3,260-5.5% | $4,709-34.6% | $4,274-27.9% |
| Admin fee / account holder | $9,794 | $5,629+74.0% | $7,244+35.2% | $7,775+26.0% |