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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 | $38,839 | $93,598-58.5% | $135,974-71.4% | $75,173-48.3% |
| Participation rate | 61.4% | 75.2%-13.7pp | 81.9%-20.5pp | 67.2%-5.8pp |
| Annual return | 18.09% | 30.89%-12.8pp | 68.30%-50.2pp | 160.72%-142.6pp |
| Employer contribution / active EE | $8,126 | $3,538+129.7% | $4,859+67.2% | $2,671+204.2% |
| Participant deferral / active EE | $0 | $6,405-100.0% | $7,760-100.0% | $4,126-100.0% |
| Admin fee / account holder | $4,198 | $6,978-39.8% | $10,767-61.0% | $5,651-25.7% |