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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 | $57,830 | $183,516-68.5% | $155,534-62.8% | $145,884-60.4% |
| Participation rate | 38.9% | 82.7%-43.8pp | 78.2%-39.3pp | 80.3%-41.4pp |
| Annual return | 14.88% | 61.43%-46.5pp | 64.92%-50.0pp | 551.85%-537.0pp |
| Employer contribution / active EE | $1,610 | $5,315-69.7% | $4,675-65.6% | $4,662-65.5% |
| Participant deferral / active EE | $4,137 | $6,467-36.0% | $5,630-26.5% | $6,690-38.2% |
| Admin fee / account holder | $560 | $19,293-97.1% | $15,900-96.5% | $13,392-95.8% |