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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 | $31,418 | $49,891-37.0% | $80,607-61.0% | $75,181-58.2% |
| Participation rate | 25.8% | 55.3%-29.5pp | 67.0%-41.2pp | 67.2%-41.4pp |
| Annual return | 22.59% | 34.67%-12.1pp | 936.11%-913.5pp | 160.69%-138.1pp |
| Employer contribution / active EE | $1,519 | $1,698-10.5% | $2,724-44.2% | $2,671-43.1% |
| Participant deferral / active EE | $2,715 | $2,991-9.2% | $4,448-38.9% | $4,126-34.2% |
| Admin fee / account holder | $1,637 | $3,578-54.2% | $5,379-69.6% | $5,650-71.0% |