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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 | $77,390 | $96,508-19.8% | $75,901+2.0% | $152,897-49.4% |
| Participation rate | 35.0% | 76.2%-41.2pp | 69.3%-34.3pp | 82.5%-47.5pp |
| Annual return | 22.42% | 33.99%-11.6pp | 30.76%-8.3pp | 345.43%-323.0pp |
| Employer contribution / active EE | $1,459 | $3,310-55.9% | $2,501-41.7% | $4,764-69.4% |
| Participant deferral / active EE | $1,459 | $4,554-68.0% | $3,603-59.5% | $5,851-75.1% |
| Admin fee / account holder | $7,142 | $8,081-11.6% | $5,420+31.8% | $11,599-38.4% |