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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 | $54,563 | $111,785-51.2% | $93,669-41.7% | $145,877-62.6% |
| Participation rate | 69.2% | 74.2%-5.0pp | 68.7%+0.5pp | 80.3%-11.1pp |
| Annual return | 11.31% | 203.79%-192.5pp | 133.59%-122.3pp | 551.28%-540.0pp |
| Employer contribution / active EE | $5,187 | $3,096+67.5% | $2,424+114.0% | $4,663+11.2% |
| Participant deferral / active EE | $9,866 | $4,919+100.6% | $4,416+123.4% | $6,691+47.5% |
| Admin fee / account holder | $22,065 | $10,256+115.2% | $8,291+166.1% | $13,402+64.6% |