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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 | $249,765 | $198,457+25.9% | $170,435+46.5% | $147,586+69.2% |
| Participation rate | 37.5% | 88.0%-50.5pp | 83.6%-46.1pp | 82.8%-45.3pp |
| Annual return | 14.41% | 257.30%-242.9pp | 205.94%-191.5pp | 578.59%-564.2pp |
| Employer contribution / active EE | $2,205 | $6,183-64.3% | $5,432-59.4% | $4,876-54.8% |
| Participant deferral / active EE | $5,589 | $5,629-0.7% | $4,939+13.2% | $5,439+2.8% |
| Admin fee / account holder | $8,767 | $16,852-48.0% | $13,881-36.8% | $10,886-19.5% |