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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 | $189,465 | $107,363+76.5% | $92,909+103.9% | $152,897+23.9% |
| Participation rate | 62.5% | 79.8%-17.3pp | 76.0%-13.5pp | 82.5%-20.0pp |
| Annual return | 16.93% | 145.63%-128.7pp | 109.44%-92.5pp | 345.43%-328.5pp |
| Employer contribution / active EE | $2,623 | $4,222-37.9% | $3,653-28.2% | $4,764-44.9% |
| Participant deferral / active EE | $4,340 | $4,848-10.5% | $4,238+2.4% | $5,851-25.8% |
| Admin fee / account holder | $42,765 | $7,082+503.9% | $5,795+637.9% | $11,599+268.7% |