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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 | $186,747 | $202,440-7.8% | $169,390+10.2% | $139,466+33.9% |
| Participation rate | 37.5% | 81.1%-43.6pp | 77.2%-39.7pp | 80.3%-42.8pp |
| Annual return | 14.94% | 532.36%-517.4pp | 406.07%-391.1pp | 373.66%-358.7pp |
| Employer contribution / active EE | $1,970 | $4,693-58.0% | $4,013-50.9% | $4,754-58.6% |
| Participant deferral / active EE | $2,328 | $6,940-66.5% | $6,222-62.6% | $6,712-65.3% |
| Admin fee / account holder | $3,944 | $10,722-63.2% | $9,015-56.3% | $11,409-65.4% |