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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 | $77,423 | $160,028-51.6% | $147,080-47.4% | $145,884-46.9% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 86.88% | 98.60%-11.7pp | 420.17%-333.3pp | 551.85%-465.0pp |
| Employer contribution / active EE | $4,285 | $5,286-18.9% | $4,933-13.2% | $4,662-8.1% |
| Participant deferral / active EE | $16,367 | $8,422+94.3% | $8,066+102.9% | $6,690+144.7% |
| Admin fee / account holder | $13,158 | $15,030-12.5% | $12,989+1.3% | $13,392-1.7% |