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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 | $39,574 | $117,846-66.4% | $102,434-61.4% | $145,884-72.9% |
| Participation rate | 60.0% | 78.6%-18.6pp | 76.5%-16.5pp | 80.3%-20.3pp |
| Annual return | 15.37% | 31.90%-16.5pp | 29.46%-14.1pp | 551.85%-536.5pp |
| Employer contribution / active EE | $2,085 | $3,615-42.3% | $3,023-31.0% | $4,662-55.3% |
| Participant deferral / active EE | $7,955 | $5,733+38.8% | $5,055+57.4% | $6,690+18.9% |
| Admin fee / account holder | $448 | $13,356-96.6% | $9,462-95.3% | $13,392-96.7% |