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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 | $247,664 | $175,259+41.3% | $149,723+65.4% | $139,487+77.6% |
| Participation rate | 55.6% | 83.4%-27.8pp | 78.8%-23.2pp | 80.3%-24.8pp |
| Annual return | 19.43% | 166.82%-147.4pp | 134.50%-115.1pp | 373.84%-354.4pp |
| Employer contribution / active EE | $3,208 | $5,478-41.4% | $4,821-33.5% | $4,755-32.5% |
| Participant deferral / active EE | $6,177 | $6,522-5.3% | $5,682+8.7% | $6,713-8.0% |
| Admin fee / account holder | $22,351 | $16,158+38.3% | $13,215+69.1% | $11,407+95.9% |