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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 | $220,343 | $160,040+37.7% | $147,096+49.8% | $145,877+51.0% |
| Participation rate | 54.5% | 84.0%-29.5pp | 82.2%-27.6pp | 80.3%-25.8pp |
| Annual return | 11.26% | 98.49%-87.2pp | 419.75%-408.5pp | 551.28%-540.0pp |
| Employer contribution / active EE | $3,739 | $5,289-29.3% | $4,936-24.3% | $4,663-19.8% |
| Participant deferral / active EE | $9,156 | $8,429+8.6% | $8,071+13.4% | $6,691+36.9% |
| Admin fee / account holder | $15,277 | $15,050+1.5% | $13,005+17.5% | $13,402+14.0% |