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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 | $37,846 | $98,776-61.7% | $149,745-74.7% | $79,856-52.6% |
| Participation rate | 62.0% | 75.8%-13.8pp | 82.5%-20.5pp | 69.6%-7.7pp |
| Annual return | 21.55% | 27.38%-5.8pp | 276.72%-255.2pp | 31.71%-10.2pp |
| Employer contribution / active EE | $2,162 | $3,217-32.8% | $4,646-53.5% | $2,471-12.5% |
| Participant deferral / active EE | $2,573 | $5,681-54.7% | $6,843-62.4% | $3,741-31.2% |
| Admin fee / account holder | $8,280 | $6,053+36.8% | $9,312-11.1% | $5,306+56.0% |