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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 | $37,108 | $102,393-63.8% | $147,041-74.8% | $80,911-54.1% |
| Participation rate | 65.4% | 75.9%-10.5pp | 82.2%-16.8pp | 67.6%-2.3pp |
| Annual return | 18.03% | 134.95%-116.9pp | 419.21%-401.2pp | 35.63%-17.6pp |
| Employer contribution / active EE | $4,476 | $3,715+20.5% | $4,935-9.3% | $2,756+62.4% |
| Participant deferral / active EE | $14,275 | $6,647+114.8% | $8,071+76.9% | $4,297+232.2% |
| Admin fee / account holder | $4,657 | $7,943-41.4% | $13,006-64.2% | $6,935-32.9% |