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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 | $70,968 | $105,200-32.5% | $159,474-55.5% | $85,847-17.3% |
| Participation rate | 44.0% | 75.8%-31.8pp | 82.8%-38.8pp | 69.3%-25.3pp |
| Annual return | 12.71% | 45.08%-32.4pp | 263.68%-251.0pp | 318.61%-305.9pp |
| Employer contribution / active EE | $3,298 | $3,319-0.6% | $4,831-31.7% | $2,565+28.5% |
| Participant deferral / active EE | $6,682 | $5,946+12.4% | $7,353-9.1% | $3,952+69.1% |
| Admin fee / account holder | $16,704 | $6,934+140.9% | $10,802+54.6% | $6,261+166.8% |