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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 | $38,994 | $102,429-61.9% | $147,096-73.5% | $80,925-51.8% |
| Participation rate | 69.0% | 75.9%-6.8pp | 82.2%-13.1pp | 67.7%+1.4pp |
| Annual return | 12.98% | 135.02%-122.0pp | 419.75%-406.8pp | 35.65%-22.7pp |
| Employer contribution / active EE | $1,961 | $3,716-47.2% | $4,936-60.3% | $2,756-28.9% |
| Participant deferral / active EE | $4,691 | $6,649-29.4% | $8,071-41.9% | $4,299+9.1% |
| Admin fee / account holder | $8,358 | $7,957+5.0% | $13,005-35.7% | $6,940+20.4% |