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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 | $163,862 | $125,237+30.8% | $105,608+55.2% | $145,877+12.3% |
| Participation rate | 41.7% | 77.7%-36.0pp | 75.3%-33.6pp | 80.3%-38.6pp |
| Annual return | 13.77% | 225.76%-212.0pp | 116.50%-102.7pp | 551.28%-537.5pp |
| Employer contribution / active EE | $2,907 | $3,720-21.9% | $3,167-8.2% | $4,663-37.7% |
| Participant deferral / active EE | $11,757 | $5,711+105.9% | $5,010+134.7% | $6,691+75.7% |
| Admin fee / account holder | $77,854 | $17,287+350.4% | $11,028+606.0% | $13,402+480.9% |