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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 | $82,281 | $97,125-15.3% | $86,233-4.6% | $137,256-40.1% |
| Participation rate | 28.6% | 74.2%-45.6pp | 69.0%-40.4pp | 80.0%-51.4pp |
| Annual return | 23.55% | 74.19%-50.6pp | 61.39%-37.8pp | 220.34%-196.8pp |
| Employer contribution / active EE | $1,061 | $2,841-62.7% | $2,504-57.6% | $4,156-74.5% |
| Participant deferral / active EE | $9,080 | $5,180+75.3% | $4,559+99.2% | $6,407+41.7% |
| Admin fee / account holder | $1,191 | $9,725-87.8% | $8,342-85.7% | $12,270-90.3% |