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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 | $102,422-30.8% | $147,117-51.8% | $80,959-12.5% |
| Participation rate | 58.5% | 75.9%-17.3pp | 82.2%-23.6pp | 67.7%-9.1pp |
| Annual return | 17.87% | 135.16%-117.3pp | 420.54%-402.7pp | 35.67%-17.8pp |
| Employer contribution / active EE | $4,423 | $3,717+19.0% | $4,932-10.3% | $2,757+60.4% |
| Participant deferral / active EE | $10,383 | $6,652+56.1% | $8,065+28.7% | $4,300+141.4% |
| Admin fee / account holder | $6,677 | $7,953-16.1% | $12,993-48.6% | $6,925-3.6% |