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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 | $69,761 | $175,231-60.2% | $149,696-53.4% | $139,466-50.0% |
| Participation rate | 36.4% | 83.4%-47.0pp | 78.8%-42.4pp | 80.3%-44.0pp |
| Annual return | 19.52% | 166.77%-147.3pp | 134.46%-114.9pp | 373.66%-354.1pp |
| Employer contribution / active EE | $1,817 | $5,478-66.8% | $4,821-62.3% | $4,754-61.8% |
| Participant deferral / active EE | $3,675 | $6,521-43.6% | $5,682-35.3% | $6,712-45.2% |
| Admin fee / account holder | $940 | $16,155-94.2% | $13,212-92.9% | $11,409-91.8% |