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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 | $129,431 | $67,823+90.8% | $52,425+146.9% | $137,256-5.7% |
| Participation rate | 66.7% | 63.9%+2.8pp | 55.6%+11.0pp | 80.0%-13.3pp |
| Annual return | 16.05% | 219.11%-203.1pp | 302.12%-286.1pp | 220.34%-204.3pp |
| Employer contribution / active EE | $4,167 | $1,163+258.3% | $914+355.8% | $4,156+0.3% |
| Participant deferral / active EE | $15,667 | $2,288+584.7% | $1,790+775.0% | $6,407+144.5% |
| Admin fee / account holder | $2,241 | $2,844-21.2% | $2,495-10.2% | $12,270-81.7% |