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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 | $115,163 | $63,346+81.8% | $92,240+24.9% | $70,126+64.2% |
| Participation rate | 57.5% | 68.7%-11.2pp | 76.5%-19.0pp | 69.5%-12.1pp |
| Annual return | 14.19% | 530.19%-516.0pp | 176.29%-162.1pp | 73.15%-59.0pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,955 | $2,854+73.6% | $3,897+27.2% | $3,332+48.7% |
| Admin fee / account holder | $4,178 | $3,841+8.8% | $5,194-19.6% | $4,645-10.1% |