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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 | $21,357 | $95,406-77.6% | $185,849-88.5% | $85,847-75.1% |
| Participation rate | 69.2% | 68.8%+0.5pp | 81.7%-12.5pp | 69.3%-0.1pp |
| Annual return | 14.73% | 23.59%-8.9pp | 122.10%-107.4pp | 318.61%-303.9pp |
| Employer contribution / active EE | $1,978 | $3,314-40.3% | $5,169-61.7% | $2,565-22.9% |
| Participant deferral / active EE | $3,993 | $3,424+16.6% | $5,569-28.3% | $3,952+1.0% |
| Admin fee / account holder | $1,176 | $7,214-83.7% | $16,244-92.8% | $6,261-81.2% |