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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 | $129,644 | $45,900+182.4% | $94,057+37.8% | $64,340+101.5% |
| Participation rate | 35.0% | 50.6%-15.6pp | 73.3%-38.3pp | 55.2%-20.2pp |
| Annual return | 43.20% | 50.47%-7.3pp | 480.62%-437.4pp | 24.14%+19.1pp |
| Employer contribution / active EE | $2,140 | $1,612+32.8% | $2,933-27.0% | $1,862+15.0% |
| Participant deferral / active EE | $3,782 | $2,102+79.9% | $4,709-19.7% | $2,980+26.9% |
| Admin fee / account holder | $21,647 | $3,143+588.7% | $7,244+198.8% | $3,703+484.7% |