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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 | $102,422-62.6% | $147,117-74.0% | $80,959-52.7% |
| Participation rate | 68.6% | 75.9%-7.3pp | 82.2%-13.6pp | 67.7%+0.9pp |
| Annual return | 12.72% | 135.16%-122.4pp | 420.54%-407.8pp | 35.67%-22.9pp |
| Employer contribution / active EE | $3,357 | $3,717-9.7% | $4,932-31.9% | $2,757+21.8% |
| Participant deferral / active EE | $6,878 | $6,652+3.4% | $8,065-14.7% | $4,300+59.9% |
| Admin fee / account holder | $26,650 | $7,953+235.1% | $12,993+105.1% | $6,925+284.8% |