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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 | $78,243 | $88,702-11.8% | $81,780-4.3% | $145,978-46.4% |
| Participation rate | 40.0% | 75.0%-35.0pp | 72.4%-32.4pp | 80.3%-40.3pp |
| Annual return | 9.95% | 1029.12%-1019.2pp | 776.27%-766.3pp | 550.52%-540.6pp |
| Employer contribution / active EE | $1,397 | $3,084-54.7% | $2,914-52.1% | $4,662-70.0% |
| Participant deferral / active EE | $5,946 | $4,645+28.0% | $4,321+37.6% | $6,690-11.1% |
| Admin fee / account holder | $632 | $8,414-92.5% | $7,384-91.4% | $13,400-95.3% |