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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 | $69,748 | $111,535-37.5% | $105,223-33.7% | $137,256-49.2% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 11.76% | 237.85%-226.1pp | 180.65%-168.9pp | 220.34%-208.6pp |
| Employer contribution / active EE | $2,205 | $3,939-44.0% | $3,689-40.2% | $4,156-46.9% |
| Participant deferral / active EE | $6,423 | $5,500+16.8% | $5,072+26.6% | $6,407+0.3% |
| Admin fee / account holder | $21,985 | $9,721+126.1% | $8,859+148.2% | $12,270+79.2% |