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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 | $74,840 | $183,592-59.2% | $155,574-51.9% | $145,877-48.7% |
| Participation rate | 20.0% | 82.7%-62.7pp | 78.2%-58.2pp | 80.3%-60.3pp |
| Annual return | 15.73% | 61.37%-45.6pp | 64.87%-49.1pp | 551.28%-535.6pp |
| Employer contribution / active EE | $4,246 | $5,317-20.1% | $4,676-9.2% | $4,663-8.9% |
| Participant deferral / active EE | $9,023 | $6,466+39.5% | $5,629+60.3% | $6,691+34.9% |
| Admin fee / account holder | $2,028 | $19,316-89.5% | $15,914-87.3% | $13,402-84.9% |