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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 | $178,330 | $81,668+118.4% | $58,507+204.8% | $139,487+27.8% |
| Participation rate | 18.8% | 61.3%-42.6pp | 50.9%-32.1pp | 80.3%-61.6pp |
| Annual return | 17.98% | 7430.07%-7412.1pp | 4252.32%-4234.3pp | 373.84%-355.9pp |
| Employer contribution / active EE | $548 | $1,398-60.8% | $1,053-48.0% | $4,755-88.5% |
| Participant deferral / active EE | $2,386 | $2,554-6.5% | $1,922+24.1% | $6,713-64.5% |
| Admin fee / account holder | $3,380 | $3,212+5.2% | $2,486+36.0% | $11,407-70.4% |