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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 | $69,908 | $165,381-57.7% | $149,730-53.3% | $158,966-56.0% |
| Participation rate | 54.2% | 84.6%-30.4pp | 82.5%-28.3pp | 82.0%-27.8pp |
| Annual return | 18.91% | 348.29%-329.4pp | 276.70%-257.8pp | 302.95%-284.0pp |
| Employer contribution / active EE | $2,220 | $5,104-56.5% | $4,645-52.2% | $4,762-53.4% |
| Participant deferral / active EE | $7,430 | $7,182+3.4% | $6,843+8.6% | $5,983+24.2% |
| Admin fee / account holder | $13,101 | $10,809+21.2% | $9,310+40.7% | $11,250+16.5% |