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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 | $129,675 | $176,120-26.4% | $159,487-18.7% | $167,553-22.6% |
| Participation rate | 55.6% | 85.0%-29.4pp | 82.8%-27.3pp | 82.1%-26.6pp |
| Annual return | 13.99% | 331.95%-318.0pp | 263.71%-249.7pp | 478.89%-464.9pp |
| Employer contribution / active EE | $3,058 | $5,299-42.3% | $4,831-36.7% | $4,840-36.8% |
| Participant deferral / active EE | $4,053 | $7,752-47.7% | $7,354-44.9% | $6,343-36.1% |
| Admin fee / account holder | $1,038 | $12,561-91.7% | $10,804-90.4% | $12,316-91.6% |