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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 | $33,764 | $160,040-78.9% | $147,096-77.0% | $145,877-76.9% |
| Participation rate | 45.5% | 84.0%-38.6pp | 82.2%-36.7pp | 80.3%-34.8pp |
| Annual return | 14.52% | 98.49%-84.0pp | 419.75%-405.2pp | 551.28%-536.8pp |
| Employer contribution / active EE | $3,432 | $5,289-35.1% | $4,936-30.5% | $4,663-26.4% |
| Participant deferral / active EE | $13,139 | $8,429+55.9% | $8,071+62.8% | $6,691+96.4% |
| Admin fee / account holder | $421 | $15,050-97.2% | $13,005-96.8% | $13,402-96.9% |