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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 | $175,731 | $111,830+57.1% | $93,696+87.6% | $145,884+20.5% |
| Participation rate | 50.0% | 74.2%-24.2pp | 68.7%-18.7pp | 80.3%-30.3pp |
| Annual return | 22.80% | 204.08%-181.3pp | 133.74%-110.9pp | 551.85%-529.0pp |
| Employer contribution / active EE | $7,843 | $3,093+153.6% | $2,422+223.8% | $4,662+68.2% |
| Participant deferral / active EE | $8,467 | $4,920+72.1% | $4,417+91.7% | $6,690+26.6% |
| Admin fee / account holder | $6,540 | $10,249-36.2% | $8,287-21.1% | $13,392-51.2% |