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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 | $183,592-29.9% | $155,567-17.3% | $145,959-11.8% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 31.90% | 61.24%-29.3pp | 64.74%-32.8pp | 561.95%-530.0pp |
| Employer contribution / active EE | $10,671 | $5,315+100.8% | $4,674+128.3% | $4,661+129.0% |
| Participant deferral / active EE | $16,338 | $6,464+152.7% | $5,628+190.3% | $6,689+144.3% |
| Admin fee / account holder | $11,757 | $19,318-39.1% | $15,916-26.1% | $13,398-12.2% |