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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 | $146,038 | $57,312+154.8% | $86,617+68.6% | $75,181+94.2% |
| Participation rate | 48.0% | 63.2%-15.2pp | 71.7%-23.7pp | 67.2%-19.2pp |
| Annual return | 20.66% | 2672.78%-2652.1pp | 591.91%-571.2pp | 160.69%-140.0pp |
| Employer contribution / active EE | $3,565 | $2,315+54.0% | $3,023+17.9% | $2,671+33.5% |
| Participant deferral / active EE | $3,916 | $3,319+18.0% | $4,437-11.7% | $4,126-5.1% |
| Admin fee / account holder | $3,273 | $4,114-20.4% | $5,613-41.7% | $5,650-42.1% |