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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 | $93,275 | $160,028-41.7% | $147,080-36.6% | $145,884-36.1% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 18.08% | 98.60%-80.5pp | 420.17%-402.1pp | 551.85%-533.8pp |
| Employer contribution / active EE | $2,162 | $5,286-59.1% | $4,933-56.2% | $4,662-53.6% |
| Participant deferral / active EE | $11,663 | $8,422+38.5% | $8,066+44.6% | $6,690+74.3% |
| Admin fee / account holder | $15,307 | $15,030+1.8% | $12,989+17.8% | $13,392+14.3% |