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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 | $40,381 | $183,516-78.0% | $155,534-74.0% | $145,884-72.3% |
| Participation rate | 60.9% | 82.7%-21.8pp | 78.2%-17.3pp | 80.3%-19.4pp |
| Annual return | 10.21% | 61.43%-51.2pp | 64.92%-54.7pp | 551.85%-541.6pp |
| Employer contribution / active EE | $1,761 | $5,315-66.9% | $4,675-62.3% | $4,662-62.2% |
| Participant deferral / active EE | $3,001 | $6,467-53.6% | $5,630-46.7% | $6,690-55.1% |
| Admin fee / account holder | $2,328 | $19,293-87.9% | $15,900-85.4% | $13,392-82.6% |