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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 | $41,019 | $183,516-77.6% | $155,534-73.6% | $145,884-71.9% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 27.44% | 61.43%-34.0pp | 64.92%-37.5pp | 551.85%-524.4pp |
| Employer contribution / active EE | $1,586 | $5,315-70.2% | $4,675-66.1% | $4,662-66.0% |
| Participant deferral / active EE | $6,978 | $6,467+7.9% | $5,630+23.9% | $6,690+4.3% |
| Admin fee / account holder | $12,665 | $19,293-34.4% | $15,900-20.3% | $13,392-5.4% |