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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 | $89,837 | $160,040-43.9% | $147,096-38.9% | $145,877-38.4% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 10.85% | 98.49%-87.6pp | 419.75%-408.9pp | 551.28%-540.4pp |
| Employer contribution / active EE | $3,400 | $5,289-35.7% | $4,936-31.1% | $4,663-27.1% |
| Participant deferral / active EE | $10,107 | $8,429+19.9% | $8,071+25.2% | $6,691+51.1% |
| Admin fee / account holder | $19,479 | $15,050+29.4% | $13,005+49.8% | $13,402+45.3% |