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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 | $73,368 | $49,976+46.8% | $66,674+10.0% | $82,637-11.2% |
| Participation rate | 34.6% | 63.1%-28.5pp | 73.7%-39.1pp | 68.1%-33.5pp |
| Annual return | 19.26% | 39.09%-19.8pp | 321.24%-302.0pp | 53.51%-34.3pp |
| Employer contribution / active EE | $2,030 | $1,988+2.1% | $2,620-22.5% | $2,552-20.4% |
| Participant deferral / active EE | $3,552 | $2,847+24.8% | $4,084-13.0% | $4,126-13.9% |
| Admin fee / account holder | $5,664 | $4,594+23.3% | $5,098+11.1% | $7,339-22.8% |