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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 | $78,070 | $154,228-49.4% | $145,433-46.3% | $137,256-43.1% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 80.0%-20.0pp |
| Annual return | 17.24% | 74.59%-57.3pp | 66.58%-49.3pp | 220.34%-203.1pp |
| Employer contribution / active EE | $11,116 | $4,804+131.4% | $4,554+144.1% | $4,156+167.5% |
| Participant deferral / active EE | $9,062 | $8,216+10.3% | $7,897+14.7% | $6,407+41.4% |
| Admin fee / account holder | $5,391 | $14,344-62.4% | $13,129-58.9% | $12,270-56.1% |