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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 | $80,883 | $160,028-49.5% | $147,080-45.0% | $145,884-44.6% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 12.89% | 98.60%-85.7pp | 420.17%-407.3pp | 551.85%-539.0pp |
| Employer contribution / active EE | $2,837 | $5,286-46.3% | $4,933-42.5% | $4,662-39.1% |
| Participant deferral / active EE | $6,012 | $8,422-28.6% | $8,066-25.5% | $6,690-10.1% |
| Admin fee / account holder | $23,660 | $15,030+57.4% | $12,989+82.2% | $13,392+76.7% |