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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 | $75,786 | $132,634-42.9% | $115,768-34.5% | $137,256-44.8% |
| Participation rate | 60.9% | 77.9%-17.0pp | 74.4%-13.5pp | 80.0%-19.1pp |
| Annual return | 14.89% | 160.70%-145.8pp | 100.46%-85.6pp | 220.34%-205.5pp |
| Employer contribution / active EE | $1,406 | $3,360-58.1% | $2,940-52.2% | $4,156-66.2% |
| Participant deferral / active EE | $2,674 | $5,619-52.4% | $4,917-45.6% | $6,407-58.3% |
| Admin fee / account holder | $4,741 | $15,028-68.5% | $12,439-61.9% | $12,270-61.4% |