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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 | $40,104 | $93,124-56.9% | $77,100-48.0% | $134,545-70.2% |
| Participation rate | 60.0% | 74.5%-14.5pp | 67.9%-7.9pp | 81.2%-21.2pp |
| Annual return | 13.25% | 62.68%-49.4pp | 42.35%-29.1pp | 418.37%-405.1pp |
| Employer contribution / active EE | $2,840 | $3,421-17.0% | $2,815+0.9% | $4,742-40.1% |
| Participant deferral / active EE | $11,001 | $5,242+109.9% | $4,430+148.4% | $6,401+71.9% |
| Admin fee / account holder | $541 | $6,970-92.2% | $5,443-90.1% | $11,431-95.3% |