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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 | $184,786 | $150,412+22.9% | $120,574+53.3% | $145,884+26.7% |
| Participation rate | 40.0% | 78.8%-38.8pp | 71.9%-31.9pp | 80.3%-40.3pp |
| Annual return | 24.76% | 154.50%-129.7pp | 107.42%-82.7pp | 551.85%-527.1pp |
| Employer contribution / active EE | $1,180 | $4,355-72.9% | $3,471-66.0% | $4,662-74.7% |
| Participant deferral / active EE | $5,837 | $6,175-5.5% | $4,996+16.8% | $6,690-12.7% |
| Admin fee / account holder | $426 | $12,224-96.5% | $9,445-95.5% | $13,392-96.8% |