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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 | $36,453 | $157,296-76.8% | $141,191-74.2% | $152,897-76.2% |
| Participation rate | 68.2% | 84.8%-16.6pp | 82.5%-14.3pp | 82.5%-14.3pp |
| Annual return | 23.46% | 64.34%-40.9pp | 71.41%-48.0pp | 345.43%-322.0pp |
| Employer contribution / active EE | $3,239 | $5,262-38.4% | $4,736-31.6% | $4,764-32.0% |
| Participant deferral / active EE | $6,029 | $7,111-15.2% | $6,710-10.1% | $5,851+3.0% |
| Admin fee / account holder | $4,043 | $12,125-66.7% | $10,264-60.6% | $11,599-65.1% |