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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 | $78,991 | $111,535-29.2% | $105,223-24.9% | $137,256-42.5% |
| Participation rate | 64.7% | 78.1%-13.4pp | 75.0%-10.3pp | 80.0%-15.3pp |
| Annual return | 17.79% | 237.85%-220.1pp | 180.65%-162.9pp | 220.34%-202.5pp |
| Employer contribution / active EE | $3,125 | $3,939-20.7% | $3,689-15.3% | $4,156-24.8% |
| Participant deferral / active EE | $6,808 | $5,500+23.8% | $5,072+34.2% | $6,407+6.3% |
| Admin fee / account holder | $918 | $9,721-90.6% | $8,859-89.6% | $12,270-92.5% |