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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 | $108,581 | $176,120-38.3% | $159,487-31.9% | $167,553-35.2% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 21.64% | 331.95%-310.3pp | 263.71%-242.1pp | 478.89%-457.3pp |
| Employer contribution / active EE | $3,341 | $5,299-37.0% | $4,831-30.8% | $4,840-31.0% |
| Participant deferral / active EE | $7,435 | $7,752-4.1% | $7,354+1.1% | $6,343+17.2% |
| Admin fee / account holder | $1,092 | $12,561-91.3% | $10,804-89.9% | $12,316-91.1% |