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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 | $153,083 | $176,105-13.1% | $159,474-4.0% | $167,536-8.6% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 13.56% | 331.91%-318.4pp | 263.68%-250.1pp | 478.82%-465.3pp |
| Employer contribution / active EE | $3,643 | $5,299-31.2% | $4,831-24.6% | $4,839-24.7% |
| Participant deferral / active EE | $10,184 | $7,751+31.4% | $7,353+38.5% | $6,342+60.6% |
| Admin fee / account holder | $9,411 | $12,559-25.1% | $10,802-12.9% | $12,315-23.6% |