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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 | $39,091 | $110,212-64.5% | $96,534-59.5% | $139,466-72.0% |
| Participation rate | 12.5% | 78.1%-65.6pp | 76.0%-63.5pp | 80.3%-67.8pp |
| Annual return | 11.32% | 26.42%-15.1pp | 25.88%-14.6pp | 373.66%-362.3pp |
| Employer contribution / active EE | $2,884 | $3,620-20.3% | $2,965-2.8% | $4,754-39.3% |
| Participant deferral / active EE | $7,797 | $5,547+40.5% | $4,851+60.7% | $6,712+16.2% |
| Admin fee / account holder | $35,307 | $11,599+204.4% | $8,253+327.8% | $11,409+209.5% |