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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 | $39,820 | $102,385-61.1% | $147,080-72.9% | $80,935-50.8% |
| Participation rate | 57.1% | 75.9%-18.7pp | 82.2%-25.0pp | 67.7%-10.5pp |
| Annual return | 31.38% | 135.09%-103.7pp | 420.17%-388.8pp | 35.66%-4.3pp |
| Employer contribution / active EE | $4,097 | $3,717+10.2% | $4,933-17.0% | $2,757+48.6% |
| Participant deferral / active EE | $9,894 | $6,651+48.8% | $8,066+22.7% | $4,299+130.1% |
| Admin fee / account holder | $4,786 | $7,951-39.8% | $12,989-63.2% | $6,924-30.9% |