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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 | $39,497 | $102,429-61.4% | $147,096-73.1% | $80,925-51.2% |
| Participation rate | 60.7% | 75.9%-15.1pp | 82.2%-21.5pp | 67.7%-6.9pp |
| Annual return | 14.90% | 135.02%-120.1pp | 419.75%-404.9pp | 35.65%-20.8pp |
| Employer contribution / active EE | $2,430 | $3,716-34.6% | $4,936-50.8% | $2,756-11.8% |
| Participant deferral / active EE | $5,155 | $6,649-22.5% | $8,071-36.1% | $4,299+19.9% |
| Admin fee / account holder | $312 | $7,957-96.1% | $13,005-97.6% | $6,940-95.5% |