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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 | $97,900 | $183,516-46.7% | $155,534-37.1% | $145,884-32.9% |
| Participation rate | 63.6% | 82.7%-19.1pp | 78.2%-14.6pp | 80.3%-16.7pp |
| Annual return | 12.49% | 61.43%-48.9pp | 64.92%-52.4pp | 551.85%-539.4pp |
| Employer contribution / active EE | $1,836 | $5,315-65.5% | $4,675-60.7% | $4,662-60.6% |
| Participant deferral / active EE | $4,749 | $6,467-26.6% | $5,630-15.7% | $6,690-29.0% |
| Admin fee / account holder | $29,944 | $19,293+55.2% | $15,900+88.3% | $13,392+123.6% |