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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 | $85,905 | $65,440+31.3% | $98,506-12.8% | $85,851+0.1% |
| Participation rate | 40.9% | 65.0%-24.1pp | 73.3%-32.4pp | 69.3%-28.4pp |
| Annual return | 14.58% | 21.75%-7.2pp | 1494.92%-1480.3pp | 318.63%-304.1pp |
| Employer contribution / active EE | $2,030 | $2,169-6.4% | $2,961-31.4% | $2,565-20.9% |
| Participant deferral / active EE | $4,942 | $3,168+56.0% | $4,277+15.6% | $3,952+25.0% |
| Admin fee / account holder | $4,116 | $4,596-10.4% | $5,955-30.9% | $6,261-34.3% |