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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 | $72,752 | $102,429-29.0% | $147,096-50.5% | $80,925-10.1% |
| Participation rate | 41.4% | 75.9%-34.5pp | 82.2%-40.8pp | 67.7%-26.3pp |
| Annual return | 15.41% | 135.02%-119.6pp | 419.75%-404.3pp | 35.65%-20.2pp |
| Employer contribution / active EE | $1,442 | $3,716-61.2% | $4,936-70.8% | $2,756-47.7% |
| Participant deferral / active EE | $3,456 | $6,649-48.0% | $8,071-57.2% | $4,299-19.6% |
| Admin fee / account holder | $616 | $7,957-92.3% | $13,005-95.3% | $6,940-91.1% |