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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 | $21,060 | $154,193-86.3% | $130,045-83.8% | $139,466-84.9% |
| Participation rate | 61.5% | 82.0%-20.4pp | 78.5%-17.0pp | 80.3%-18.8pp |
| Annual return | 23.25% | 32.51%-9.3pp | -137.30%+160.6pp | 373.66%-350.4pp |
| Employer contribution / active EE | $1,640 | $5,292-69.0% | $4,321-62.1% | $4,754-65.5% |
| Participant deferral / active EE | $4,505 | $6,709-32.8% | $5,820-22.6% | $6,712-32.9% |
| Admin fee / account holder | $1,105 | $13,989-92.1% | $10,600-89.6% | $11,409-90.3% |