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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 | $71,035 | $105,200-32.5% | $159,474-55.5% | $85,847-17.3% |
| Participation rate | 60.7% | 75.8%-15.1pp | 82.8%-22.1pp | 69.3%-8.6pp |
| Annual return | 20.54% | 45.08%-24.5pp | 263.68%-243.1pp | 318.61%-298.1pp |
| Employer contribution / active EE | $2,833 | $3,319-14.6% | $4,831-41.4% | $2,565+10.4% |
| Participant deferral / active EE | $6,823 | $5,946+14.8% | $7,353-7.2% | $3,952+72.6% |
| Admin fee / account holder | $6,964 | $6,934+0.4% | $10,802-35.5% | $6,261+11.2% |