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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 | $101,783 | $160,040-36.4% | $147,096-30.8% | $145,877-30.2% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 12.09% | 98.49%-86.4pp | 419.75%-407.7pp | 551.28%-539.2pp |
| Employer contribution / active EE | $1,774 | $5,289-66.5% | $4,936-64.1% | $4,663-62.0% |
| Participant deferral / active EE | $3,349 | $8,429-60.3% | $8,071-58.5% | $6,691-49.9% |
| Admin fee / account holder | $20,432 | $15,050+35.8% | $13,005+57.1% | $13,402+52.5% |