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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 | $53,686 | $111,785-52.0% | $93,669-42.7% | $145,877-63.2% |
| Participation rate | 38.1% | 74.2%-36.1pp | 68.7%-30.6pp | 80.3%-42.2pp |
| Annual return | 13.78% | 203.79%-190.0pp | 133.59%-119.8pp | 551.28%-537.5pp |
| Employer contribution / active EE | $1,476 | $3,096-52.3% | $2,424-39.1% | $4,663-68.3% |
| Participant deferral / active EE | $2,934 | $4,919-40.4% | $4,416-33.6% | $6,691-56.1% |
| Admin fee / account holder | $11,539 | $10,256+12.5% | $8,291+39.2% | $13,402-13.9% |