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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 | $67,210 | $105,198-36.1% | $159,455-57.9% | $85,856-21.7% |
| Participation rate | 52.8% | 75.8%-23.0pp | 82.8%-30.0pp | 69.3%-16.5pp |
| Annual return | 16.70% | 45.08%-28.4pp | 263.63%-246.9pp | 318.58%-301.9pp |
| Employer contribution / active EE | $3,494 | $3,319+5.3% | $4,830-27.7% | $2,565+36.2% |
| Participant deferral / active EE | $6,998 | $5,946+17.7% | $7,353-4.8% | $3,952+77.1% |
| Admin fee / account holder | $15,733 | $6,934+126.9% | $10,800+45.7% | $6,261+151.3% |