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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 | $133,696 | $107,353+24.5% | $92,903+43.9% | $152,885-12.6% |
| Participation rate | 58.3% | 79.8%-21.5pp | 76.0%-17.7pp | 82.5%-24.1pp |
| Annual return | 23.46% | 145.62%-122.2pp | 109.43%-86.0pp | 345.39%-321.9pp |
| Employer contribution / active EE | $4,940 | $4,222+17.0% | $3,653+35.2% | $4,763+3.7% |
| Participant deferral / active EE | $13,481 | $4,848+178.1% | $4,238+218.1% | $5,851+130.4% |
| Admin fee / account holder | $68,778 | $7,081+871.3% | $5,795+1086.9% | $11,598+493.0% |