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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 | $128,722 | $183,539-29.9% | $155,556-17.3% | $145,897-11.8% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 31.90% | 61.31%-29.4pp | 64.84%-32.9pp | 552.29%-520.4pp |
| Employer contribution / active EE | $10,671 | $5,315+100.8% | $4,675+128.2% | $4,663+128.9% |
| Participant deferral / active EE | $16,338 | $6,467+152.6% | $5,631+190.2% | $6,689+144.2% |
| Admin fee / account holder | $11,757 | $19,275-39.0% | $15,885-26.0% | $13,390-12.2% |