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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 | $209,617 | $110,410+89.9% | $102,437+104.6% | $145,897+43.7% |
| Participation rate | 14.3% | 77.9%-63.6pp | 74.5%-60.2pp | 80.3%-66.0pp |
| Annual return | 61.31% | 24.85%+36.5pp | 24.95%+36.4pp | 552.29%-491.0pp |
| Employer contribution / active EE | $7,990 | $4,217+89.5% | $3,871+106.4% | $4,663+71.4% |
| Participant deferral / active EE | $4,848 | $5,622-13.8% | $5,060-4.2% | $6,689-27.5% |
| Admin fee / account holder | $11,747 | $9,745+20.5% | $8,388+40.0% | $13,390-12.3% |