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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 | $70,853 | $102,382-30.8% | $147,005-51.8% | $80,874-12.4% |
| Participation rate | 58.5% | 75.8%-17.3pp | 82.2%-23.6pp | 67.6%-9.1pp |
| Annual return | 17.87% | 134.89%-117.0pp | 418.76%-400.9pp | 35.62%-17.8pp |
| Employer contribution / active EE | $4,423 | $3,715+19.1% | $4,934-10.4% | $2,756+60.5% |
| Participant deferral / active EE | $10,383 | $6,646+56.2% | $8,070+28.7% | $4,297+141.6% |
| Admin fee / account holder | $6,677 | $7,942-15.9% | $13,006-48.7% | $6,935-3.7% |