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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 | $125,686 | $198,462-36.7% | $170,439-26.3% | $147,585-14.8% |
| Participation rate | 45.5% | 88.0%-42.5pp | 83.6%-38.1pp | 82.8%-37.4pp |
| Annual return | 11.56% | 257.30%-245.7pp | 205.94%-194.4pp | 578.58%-567.0pp |
| Employer contribution / active EE | $10,973 | $6,184+77.5% | $5,433+102.0% | $4,876+125.0% |
| Participant deferral / active EE | $4,857 | $5,629-13.7% | $4,939-1.7% | $5,439-10.7% |
| Admin fee / account holder | $18,655 | $16,852+10.7% | $13,881+34.4% | $10,886+71.4% |