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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 | $38,316 | $102,429-62.6% | $147,096-74.0% | $80,925-52.7% |
| Participation rate | 68.6% | 75.9%-7.3pp | 82.2%-13.6pp | 67.7%+0.9pp |
| Annual return | 12.72% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $3,357 | $3,716-9.6% | $4,936-32.0% | $2,756+21.8% |
| Participant deferral / active EE | $6,878 | $6,649+3.4% | $8,071-14.8% | $4,299+60.0% |
| Admin fee / account holder | $26,650 | $7,957+234.9% | $13,005+104.9% | $6,940+284.0% |