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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 | $150,920 | $111,878+34.9% | $93,727+61.0% | $145,897+3.4% |
| Participation rate | 28.6% | 74.2%-45.6pp | 68.7%-40.1pp | 80.3%-51.7pp |
| Annual return | 14.26% | 204.28%-190.0pp | 133.83%-119.6pp | 552.29%-538.0pp |
| Employer contribution / active EE | $1,646 | $3,092-46.8% | $2,421-32.0% | $4,663-64.7% |
| Participant deferral / active EE | $9,170 | $4,920+86.4% | $4,417+107.6% | $6,689+37.1% |
| Admin fee / account holder | $192,036 | $10,256+1772.4% | $8,292+2216.0% | $13,390+1334.1% |