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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 | $114,937 | $183,592-37.4% | $155,574-26.1% | $145,877-21.2% |
| Participation rate | 61.5% | 82.7%-21.2pp | 78.2%-16.7pp | 80.3%-18.8pp |
| Annual return | 14.46% | 61.37%-46.9pp | 64.87%-50.4pp | 551.28%-536.8pp |
| Employer contribution / active EE | $2,481 | $5,317-53.3% | $4,676-46.9% | $4,663-46.8% |
| Participant deferral / active EE | $4,903 | $6,466-24.2% | $5,629-12.9% | $6,691-26.7% |
| Admin fee / account holder | $2,879 | $19,316-85.1% | $15,914-81.9% | $13,402-78.5% |