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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 | $78,711 | $132,634-40.7% | $115,768-32.0% | $137,256-42.7% |
| Participation rate | 56.3% | 77.9%-21.6pp | 74.4%-18.1pp | 80.0%-23.7pp |
| Annual return | 13.19% | 160.70%-147.5pp | 100.46%-87.3pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,634 | $3,360-51.4% | $2,940-44.4% | $4,156-60.7% |
| Participant deferral / active EE | $3,678 | $5,619-34.5% | $4,917-25.2% | $6,407-42.6% |
| Admin fee / account holder | $28,209 | $15,028+87.7% | $12,439+126.8% | $12,270+129.9% |