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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 | $129,737-46.2% | $119,126-41.5% | $154,746-54.9% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 11.76% | 379.08%-367.3pp | 282.11%-270.3pp | 172.34%-160.6pp |
| Employer contribution / active EE | $2,205 | $4,375-49.6% | $4,034-45.3% | $4,379-49.7% |
| Participant deferral / active EE | $6,423 | $5,842+10.0% | $5,318+20.8% | $6,730-4.6% |
| Admin fee / account holder | $21,985 | $11,961+83.8% | $10,693+105.6% | $14,365+53.0% |