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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 | $120,107 | $65,566+83.2% | $86,235+39.3% | $75,177+59.8% |
| Participation rate | 47.7% | 60.5%-12.8pp | 69.0%-21.2pp | 67.2%-19.5pp |
| Annual return | 15.59% | 46.07%-30.5pp | 1170.03%-1154.4pp | 160.75%-145.2pp |
| Employer contribution / active EE | $400 | $1,553-74.3% | $2,381-83.2% | $2,671-85.0% |
| Participant deferral / active EE | $5,276 | $3,023+74.5% | $3,987+32.3% | $4,126+27.9% |
| Admin fee / account holder | $9,349 | $5,470+70.9% | $6,856+36.4% | $5,651+65.4% |