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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 | $38,419 | $160,040-76.0% | $147,096-73.9% | $145,877-73.7% |
| Participation rate | 53.8% | 84.0%-30.2pp | 82.2%-28.3pp | 80.3%-26.5pp |
| Annual return | 12.63% | 98.49%-85.9pp | 419.75%-407.1pp | 551.28%-538.7pp |
| Employer contribution / active EE | $2,083 | $5,289-60.6% | $4,936-57.8% | $4,663-55.3% |
| Participant deferral / active EE | $2,660 | $8,429-68.4% | $8,071-67.0% | $6,691-60.2% |
| Admin fee / account holder | $11,593 | $15,050-23.0% | $13,005-10.9% | $13,402-13.5% |