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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 | $45,723 | $49,976-8.5% | $66,674-31.4% | $82,637-44.7% |
| Participation rate | 68.8% | 63.1%+5.7pp | 73.7%-4.9pp | 68.1%+0.7pp |
| Annual return | 17.15% | 39.09%-21.9pp | 321.24%-304.1pp | 53.51%-36.4pp |
| Employer contribution / active EE | $3,449 | $1,988+73.4% | $2,620+31.6% | $2,552+35.1% |
| Participant deferral / active EE | $8,174 | $2,847+187.2% | $4,084+100.1% | $4,126+98.1% |
| Admin fee / account holder | $35,710 | $4,594+677.4% | $5,098+600.5% | $7,339+386.6% |