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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 | $34,050 | $56,134-39.3% | $96,161-64.6% | $85,856-60.3% |
| Participation rate | 42.9% | 56.7%-13.9pp | 68.4%-25.6pp | 69.3%-26.5pp |
| Annual return | 17.26% | 42.30%-25.0pp | 192.01%-174.7pp | 318.58%-301.3pp |
| Employer contribution / active EE | $1,697 | $1,620+4.8% | $2,798-39.3% | $2,565-33.8% |
| Participant deferral / active EE | $4,382 | $2,858+53.3% | $4,349+0.7% | $3,952+10.9% |
| Admin fee / account holder | $3,261 | $3,769-13.5% | $5,538-41.1% | $6,261-47.9% |