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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 | $74,465 | $67,823+9.8% | $52,425+42.0% | $137,256-45.7% |
| Participation rate | 25.0% | 63.9%-38.9pp | 55.6%-30.6pp | 80.0%-55.0pp |
| Annual return | 21.96% | 219.11%-197.1pp | 302.12%-280.2pp | 220.34%-198.4pp |
| Employer contribution / active EE | $457 | $1,163-60.7% | $914-50.0% | $4,156-89.0% |
| Participant deferral / active EE | $2,527 | $2,288+10.4% | $1,790+41.1% | $6,407-60.6% |
| Admin fee / account holder | $4,991 | $2,844+75.5% | $2,495+100.0% | $12,270-59.3% |