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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 | $29,196 | $176,105-83.4% | $159,474-81.7% | $167,536-82.6% |
| Participation rate | 36.4% | 85.0%-48.6pp | 82.8%-46.5pp | 82.1%-45.7pp |
| Annual return | 11.68% | 331.91%-320.2pp | 263.68%-252.0pp | 478.82%-467.1pp |
| Employer contribution / active EE | $4,605 | $5,299-13.1% | $4,831-4.7% | $4,839-4.8% |
| Participant deferral / active EE | $3,420 | $7,751-55.9% | $7,353-53.5% | $6,342-46.1% |
| Admin fee / account holder | $36,861 | $12,559+193.5% | $10,802+241.2% | $12,315+199.3% |