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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 | $151,772 | $58,234+160.6% | $81,783+85.6% | $80,874+87.7% |
| Participation rate | 63.6% | 63.4%+0.2pp | 72.4%-8.7pp | 67.6%-4.0pp |
| Annual return | 16.36% | 41.70%-25.3pp | 775.05%-758.7pp | 35.62%-19.3pp |
| Employer contribution / active EE | $10,713 | $2,341+357.6% | $2,913+267.8% | $2,756+288.8% |
| Participant deferral / active EE | $8,940 | $3,283+172.3% | $4,320+106.9% | $4,297+108.1% |
| Admin fee / account holder | $2,677 | $4,982-46.3% | $7,380-63.7% | $6,935-61.4% |