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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 | $36,157 | $160,040-77.4% | $147,096-75.4% | $145,877-75.2% |
| Participation rate | 36.8% | 84.0%-47.2pp | 82.2%-45.3pp | 80.3%-43.5pp |
| Annual return | 21.91% | 98.49%-76.6pp | 419.75%-397.8pp | 551.28%-529.4pp |
| Employer contribution / active EE | $4,640 | $5,289-12.3% | $4,936-6.0% | $4,663-0.5% |
| Participant deferral / active EE | $12,322 | $8,429+46.2% | $8,071+52.7% | $6,691+84.2% |
| Admin fee / account holder | $24,299 | $15,050+61.5% | $13,005+86.8% | $13,402+81.3% |