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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 | $32,608 | $111,830-70.8% | $93,696-65.2% | $145,884-77.6% |
| Participation rate | 69.6% | 74.2%-4.7pp | 68.7%+0.8pp | 80.3%-10.7pp |
| Annual return | 9.32% | 204.08%-194.8pp | 133.74%-124.4pp | 551.85%-542.5pp |
| Employer contribution / active EE | $5,123 | $3,093+65.6% | $2,422+111.5% | $4,662+9.9% |
| Participant deferral / active EE | $4,152 | $4,920-15.6% | $4,417-6.0% | $6,690-37.9% |
| Admin fee / account holder | $827 | $10,249-91.9% | $8,287-90.0% | $13,392-93.8% |