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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 | $80,428 | $160,028-49.7% | $147,080-45.3% | $145,884-44.9% |
| Participation rate | 63.2% | 84.0%-20.9pp | 82.2%-19.0pp | 80.3%-17.1pp |
| Annual return | 17.52% | 98.60%-81.1pp | 420.17%-402.7pp | 551.85%-534.3pp |
| Employer contribution / active EE | $2,738 | $5,286-48.2% | $4,933-44.5% | $4,662-41.3% |
| Participant deferral / active EE | $7,360 | $8,422-12.6% | $8,066-8.8% | $6,690+10.0% |
| Admin fee / account holder | $22,954 | $15,030+52.7% | $12,989+76.7% | $13,392+71.4% |