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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 | $20,251 | $208,088-90.3% | $186,193-89.1% | $154,746-86.9% |
| Participation rate | 47.8% | 80.0%-32.2pp | 77.1%-29.3pp | 80.7%-32.9pp |
| Annual return | 13.61% | 89.97%-76.4pp | 78.03%-64.4pp | 172.34%-158.7pp |
| Employer contribution / active EE | $1,469 | $4,340-66.1% | $3,918-62.5% | $4,379-66.4% |
| Participant deferral / active EE | $2,021 | $7,078-71.4% | $6,513-69.0% | $6,730-70.0% |
| Admin fee / account holder | $13,779 | $11,698+17.8% | $11,058+24.6% | $14,365-4.1% |