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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 | $39,861 | $68,852-42.1% | $120,524-66.9% | $80,925-50.7% |
| Participation rate | 44.1% | 61.6%-17.5pp | 71.9%-27.8pp | 67.7%-23.5pp |
| Annual return | 24.75% | 23.67%+1.1pp | 107.36%-82.6pp | 35.65%-10.9pp |
| Employer contribution / active EE | $4,091 | $2,063+98.3% | $3,469+17.9% | $2,756+48.4% |
| Participant deferral / active EE | $10,088 | $3,187+216.6% | $4,994+102.0% | $4,299+134.7% |
| Admin fee / account holder | $1,507 | $5,781-73.9% | $9,440-84.0% | $6,940-78.3% |